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Adults aged 40-55 cannot predict the total cost when a parent in their 70s-80s faces hospitalization or surgery. While the insured portion is available through HIRA (Health Insurance Review & Assessment Service), non-covered items — which account for over 50% of actual costs (premium rooms, special materials, MRI, etc.) — vary 2-5x between hospitals. Families only learn the true cost after receiving the bill, and cannot determine in advance whether costs will exceed their parent's private insurance limits.
On the web, users select a condition (or procedure) and 2-3 preferred hospitals, and the service: (1) shows estimated insured co-payment from HIRA published data, (2) adds each hospital's non-covered item prices (premium rooms, MRI, special materials, etc.) to calculate 'total estimated hospitalization cost' for comparison, and (3) calculates expected out-of-pocket costs when private insurance limits are entered.
| N Novelty | 1-5 | How uncommon the service is in market context. |
| U Urgency | 1-5 | How urgently users need this problem solved now. |
| M Market | 1-5 | Market size and growth potential from proxy indicators. |
| R Realizability | 1-5 | Buildability for a small team with realistic constraints. |
| V Validation | 1-5 | Validation signal quality from competition and demand data. |
| Tech Complexity | / 40 | Difficulty of core implementation stack. |
| Data Availability | / 25 | Practical availability and cost of required data. |
| MVP Timeline | / 20 | Expected time to ship a usable MVP. |
| API Bonus | / 15 | Bonus for viable public API leverage. |
| Competition | / 20 | Signal quality from competitor landscape. |
| Market Demand | / 20 | Demand proxies from search and mention patterns. |
| Timing | / 20 | Fit with current shifts in tech, behavior, and regulation. |
| Revenue Signals | / 15 | Reference evidence for monetization viability. |
| Pick-Axe Fit | / 15 | How well the concept serves participants in a trend. |
| Solo Buildability | / 10 | Practicality for lean-team implementation. |