Health money, in five steps.
ionava isn't health insurance. It's a financial platform designed for health and wellness. A Vault that protects you for the 'Big What-Ifs', and a Wallet that pays you back for staying well.
Get your Health Score
Determine your eligibility and your price
Fill out a questionnaire to get your Health Score. If you're eligible, ionava subscription prices are based on your Health Score, age, sex, and Vault size. Some questions will feel personal (they just are); it's how we maintain system integrity for you and the ionava community. If you don't qualify, join Club ionava for health and wealth tips, news, perks, and opportunities to try again as we expand our model's capabilities
HIPAA-standard privacy. This means your health answers are processed in secure, access-restricted systems and kept separate from your name and identity.
Select your Vault
Your protection amount is a personal choice
Only you can decide what amount is right for you if a health 'Big What-If' happens to you. ionava Vaults come in three sizes: $300k, $700k, and $1 million—unlocking that much cash for you in the event of a Major health event (terminal, critical, or chronic illness). Start your Vault's 6-month vesting period (the waiting window for full access) now, while locking in your lowest price.
Activate your Wallet
Pre-sale until October — lock in now, you aren't charged until launch
65 - 75% of your subscription fee goes directly back into your Wallet when you activate your account with a quick identity check (the same KYC verification banks use). The rest funds your Vault protection and keeps the system running. Pay for anything health or wellness related at cash prices with your ionava Wallet—a debit card that earns 1 - 3% interest on the balance which supports your financial wellness. Healthy choices = higher interest.
Share the love: Earn $25 for referring people who buy a Vault (they'll get $25 in their Wallet too). Wallets officially launch in October.
Bank-grade security. Identity and banking details are protected with the same encryption and controls major financial institutions trust.
Your Money, Your Health
This is where it gets really fun—it's health freedom
We aren't here to dictate or restrict what you choose to buy in support of your health. No networks, no gate-keeping. Pay your doctors in cash (and become their favorite patient), sign up for that fitness class you've been wanting to try, or go buy yourself that preventative scan you've been curious about. You're responsible for your health and the choices you make to support your overall wellness. This is the system that was made for YOU. Own it.
Keep yourself healthy and gain benefits
Wellness, rewarded.
Stay active, sleep well, keep your habits strong—your Health Score rises with you, earning a higher interest rate on your Wallet, plus boosts and rewards along the way. Being healthy finally pays.
Wondering who holds the money, or what counts as a Major health event? Read the FAQ.
Financial-grade security. Medical-grade privacy.
We collect only what's necessary to confirm eligibility and protect the integrity of the ionava community.
HIPAA-standard handling
Health information is collected through HIPAA-compliant infrastructure built for sensitive medical data.
Bank-grade protection
Identity and payments are secured with the same technology trusted by major financial institutions.
Encrypted end to end
Sensitive information is encrypted in transit and at rest, with strict limits on who can access it.
Dedicated, restricted systems
Secure onboarding runs on isolated systems—your information is reviewed only for eligibility.
Start with your free Health Score.
It takes minutes, and it's the first step toward health money that makes sense.
Not health insurance — ionava is a financial platform designed for health and wellness. Read our Privacy Policy and Terms & Conditions.