ionava sits in a different category than health and life insurance: it's a financial platform built to support your health. You have control over your funds for everyday health and wellness expenses (your Wallet) and reserved personal liquidity to prepare for Major health events (your Vault).

Traditional health insurance is built around billing and restrictions. ionava is built around financial preparedness and personal choice. There are no prior authorizations, no networks, and no third-party decision-makers. You decide how, where, and when to spend your Wallet funds: preventive care, prescriptions, gym memberships, supplements, and more. ionava never approves or denies medical care.

People may use ionava alongside traditional insurance. Others use it as their primary way to manage their health spending. Either way, ionava is an alternative approach for people who want more transparency and control over their health finances.

The real reason most healthy people carry health insurance isn't routine care. It's preparing for a Major health event. That's exactly what the Vault is designed for.

Your Vault is reserved personal liquidity unlocked for a Major health event that's terminal, chronic, or critical. When you join ionava, you choose your Vault size based on the level of financial cushion you want: $300K, $700K, or $1M.

If a Major health event occurs, your reserved liquidity becomes accessible to help you navigate that moment with flexibility and choice. You can access up to 90% of your Vault in cash, after six months of joining. ionava never decides what your care should cost: those decisions stay between you and your choice of providers.

The Vault's goal is preparedness for the Big What-Ifs, without day-to-day restriction.

The Health Score is a 15-20 minute questionnaire that helps us determine your Vault eligibility and your personalized pricing. Your subscription price is then set based on a proprietary algorithm determined by your Health Score, age, and sex. Your data is encrypted, confidential, and never sold, with HIPAA-standard handling for your health information.

A few things the Health Score is not:

• It is not medical care. ionava never approves or denies treatment.

• It is not a commitment. You decide whether to join after seeing your Score and pricing.

• It is not a constraint on spending. Your Wallet funds are always yours to control.

ionava is designed for healthy adults aged 25 to 55 who qualify.

We're upfront about this because the math depends on it. Locked subscription pricing, larger Vaults, and generous Wallets only work when the people inside are healthy and want to stay that way. Strict on the way in. Generous throughout.

As ionava grows, we plan to expand eligibility responsibly, because the long-term goal is to help more people invest in their health in sustainable ways.

If you don't qualify today, Club ionava (a free resource launching soon) will share guidance to support your health, and the option to reapply later.