Common Questions We Get

You'll receive a few rewards if you sign up during this period, including:

• 🎉 10% off your first year. This is applied automatically when your Wallet activates.
• 🔒Lock in today’s rate. Your subscription is based on your current age and it only goes up from here.
• 🌱Your Vault starts building now. It takes 6 months from the day you subscribe to access your Vault. Subscribe during pre-sale, and by the time your card is charged in October, you'll already be months closer to full Vault access in case a Major health-event occurs.
• ⭐️$25 for you. $25 for every friend you refer. Your personal referral code will be waiting in your Wallet when it goes live.

No, your rate is based on your age at the time you subscribe.

This means the earlier you subscribe, the lower your rate. It only increases with each birthday after that.

Your card will only be charged once the Wallet and Vault are live (currently scheduled for October 1st). We'll message you before any charge goes through.

Credit cards, debit cards, and ACH via Plaid. Monthly subscriptions processed by Stripe.

Use the contact form below or email support@ionava.com. Response time is around 24 business hours.

Don't worry, we've seen it all. Please just take a deep breath and answer as honestly as you can. Nearly everybody has 'health stuff'—in fact, those who don't are outliers!

Honest answers make sure we can trust the ionava model to work for you. Bear in mind, we do check the information you provide against existing medical records to make sure we capture any unintended errors or omissions. (See Material Omission Definition.)

If/when we notice discrepancies, we'll offer you the opportunity to adjust either your subscription costs or your Vault size, prior to locking in your Vault. In rare cases, when omitted information falls outside of our current capacity for risk, we will cancel your Vault retroactively and refund any unused subscription costs, minus a small processing fee. In such cases, we'll provide you with clear guidance on what caused the cancellation and next steps.

ionava, a financial platform designed for health and wellness. We are an alternative to health insurance that provides funds for everyday health (preventative care, supplements, gym) and reserved health-linked-liquidity for the 'Big What-Ifs' (terminal, chronic, or critical illnesses).

It’s not insurance. It’s built for people who take care of themselves and are tired of paying into a system that doesn’t pay them back.

The Wallet: 65%-75% of your ionava subscription goes straight into a cash account that's yours to spend. Think of it as your flexible fund for everyday health and wellness—yoga classes, supplements, groceries, massages, a new pair of running shoes. Your choice, no approvals needed. Also, providers love it too, because they get paid on the spot, and you’ll be joyfully surprised with the care, flexibility, and cost of cash prices (especially compared to what you’d pay with health insurance premiums + deductibles + co-pays, etc.).

The Vault: Reserved personal liquidity that becomes available if a defined Major health event happens. It’s cash access, not ‘coverage’. Your money, held for when you really need it.

Virtually anything that supports health or wellbeing. This includes traditional medical care, preventive services, mental health, fitness, supplements, longevity, and wellness—often things insurance and HSAs don’t meaningfully support. It’s your choice, and your terms.

That’s what the Vault is designed for. If you experience a defined Major health event (see definitions), your reserved liquidity becomes accessible to help you navigate that moment with flexibility and choice. The goal is preparedness without day-to-day restriction.

First, many major services cost far less at cash rates than people assume. We encourage you to contact your physician to discuss direct-pay models and explore this for yourself. There are also numerous cost calculators online which you can use to research your personal healthcare decisions. Second, ionava doesn’t lock you into a single approach—you retain full optionality, including layering or returning to traditional insurance if that’s right for you.

Choosing a Vault size boils down to very personal decisions, including your budget, your own risk tolerance, and your individual comfort zone. We recommend choosing the highest level of Vault coverage that you can reasonably afford to keep in place long-term.

Your individual subscription price options will be available to you after you get your health score and go into the platform to choose a Vault size.

No. ionava just wants to give people a smarter way to manage health and money without waiting for insurers or policymakers to change.

At ionava, we always handle personal health information with 100% confidentiality and anything you share is subject to strict HIPAA protocols. We only ask information that we need to know in the Onboarding process in order to properly assess your risk, so we can keep you and everyone at ionava more safe.

All sensitive information is protected using the same level of security trusted by major banks and enterprise companies. Health data is collected through HIPAA-compliant systems, including Typeform Enterprise, which is built specifically to handle sensitive medical information. Your data is stored securely with trusted partners like Salesforce, while identity and payment details are handled through Plaid, the same technology used by leading financial institutions. Access is tightly limited, and your personal information is never sold or shared beyond what’s needed to run ionava safely.

Because we don’t want your health strategy tied to political uncertainty. ionava works perfectly well without subsidies, which creates stability for users regardless of policy changes.

Cash pricing already exists; most people just haven’t been taught to ask for it. Start with simple, direct question: what is your cash pay rate? Many providers prefer cash because it removes complexity. You can use Wallet and Vault funds anywhere that accepts U.S. dollars (not just in the U.S., and not just in the ionava Marketplace).

The risk science behind Ionava has existed for decades. What’s new is bringing that intelligence, with the help of cutting-edge technology, directly to benefit individuals instead of burying it inside opaque, institution-controlled products.

Your Health Score is calculated from answers to our onboarding questionnaire, weighted by clinical factors.

Your individual subscription price options (per Vault) will be available to you after you get your health score and go into the platform to choose a Vault size.

Part of it funds your Wallet—money you actively get to use. Part of it supports the pooled risk reserves behind Vaults. The structure is intentionally simple and transparent.

Funds are managed through ionava’s financial infrastructure with clear separation between Wallet balances and pooled Vault liquidity. The design prioritizes clarity and accountability, not complexity.

The User qualifies as critically ill if a Licensed Health Care Practitioner has certified that the User has had one of the following specified medical conditions within the last 12 months:

– Cancer

– Heart Attack (Myocardial Infarction)

– Stroke

– Kidney Failure (End-Stage Renal Failure)

– Major Organ Transplant

– Bone Marrow Transplant (Stem Cell Transplant)

– Sudden Cardiac Arrest

– Coronary Artery Bypass Surgery

– Non-Invasive Cancer

– Skin Cancer

– Severe Burn

– Coma

– Paralysis

– Loss of Sight / Hearing / Speech

– Multiple Sclerosis

– ALS or Lou Gehrig’s Disease

– Malignant Brain Tumor

Critical illness qualification releases 25% of Vault Value at the time of election and verification on first event occurrence, 35% of remaining Vault Value at the time of election and verification on second event occurrence, and 95% of remaining Vault Value at the time of election and verification on third event occurrence, if applicable, until Vault value (minus processing fees) depletes entirely.

ionava reserves the rights for both due diligence on reviewing medical records to confirm User eligibility for Vault Unlock, and/or hardship review to expand criteria out of consideration for compassionate care.

The User qualifies as chronically ill if a Licensed Health Care Practitioner has certified, within the last 12 months, that the User is expected to be unable to perform for at least 90 days, without substantial assistance from another person, at least two Activities of Daily Living or requires substantial supervision by another person, to protect oneself from threats to health and safety due to severe cognitive impairment. Activities of Daily Living include bathing, continence, dressing, eating, toileting and transferring. Chronic illness qualification releases 24% of Vault Value at the time of election and verification, payable either as a lump sum annually or 2%/month each year and subsequent year for a total of 4 years, until Vault value (minus processing fees) depletes entirely.

Ionava reserves the rights for both due diligence on reviewing medical records to confirm User eligibility for Vault Unlock, and/or to confirm continued eligibility for receipt of Vault funds in the event that a Chronic Illness resolves.

The User qualifies as terminally ill if a physician has certified that the insured’s life expectancy is 24 months or less. Terminal illness qualification releases 95% of Vault Value at the time of election and verification.

ionava reserves the rights for due diligence on reviewing medical records to confirm User eligibility for Vault Unlock.

These terms refer to Terminal, Chronic, or Critical Illnesses.

Vaults provide liquidity for Terminal Illness, Chronic Illness or Critical Illness. The Vault subscriber can only elect to access liquidity for one of these qualifying circumstances at any given time. The maximum amount available for election is 90% of Vault value at the time of election and eligibility verification.

The maximum liquidity available is dependent on the type of Major health event at the time of election.

See description of each qualifying term and condition in the FAQ and reference the “Summary and Disclosure Statement" you receive at time of subscription for more details.

Amounts payable from Vaults may be taxable under certain circumstances. We recommend you consult your personal tax advisor to assess the tax treatment of Vaults in your individual circumstances.

PLEASE NOTE:

Pregnancy or pregnancy-related conditions or complications are not ionava Vault unlocking events, yet.

A 'material omission' is the failure to disclose any information that would impact Ionava's onboarding process at the time of application. We have the right to know (transparently) what level of risk we take on when we bring a new User onto our platform, and price their Vault accordingly. If, on reviewing information that an applicant has provided, we discover any material omissions, we will either adjust the terms of their Vault contract or cancel the Vault immediately. In such a case, a Vault User will also forfeit any Wallet funds, and we will also assess a service fee as a penalty.