Your price is as personal as your health.
There's no one-size price at ionava. Your subscription reflects your Health Score, your age, your sex, and the Vault you choose—so the only honest price we can show you is yours. Get your Health Score to see your personalised pricing for each Vault.
Four things shape your price
No hidden fees, no negotiating-just four honest inputs.
Your Health Score
The healthier you live, the better your price. Your Health Score is the most important input you control, before and after you join.
Your age
Your price is based on your age when you subscribe, then locked for life. The earlier you join, the lower the price you keep.
Your sex
Like all actuarial pricing, biological sex factors into the rate, and only as far as the math requires.
Your Vault size
Three payout sizes: $300k, $700k, or $1 million of ‘Big What-If’ protection. A bigger Vault means a higher subscription price.
Whatever your price turns out to be…
- One Price for life. It never goes up once you subscribe.
- 65–75% of your fee goes straight back into your Wallet.
- Your Wallet earns 1–3% interest and a higher Health Score earns a higher rate.
- Cancel anytime. No contracts, no exit fees.
- Pre-sale: your card isn't charged until launch on October 1.
- Your personalized pricing stays valid for 15 days after you get your Score—after that, you simply reapply with a new one.
Guaranteed growth. Global access. Flexible use. Built-in rewards.
One financial platform designed around your health and your life.
| What you get | ionava | Health Insurance | Life Insurance | HSA* | Travel Insurance | Bank Accounts** | Stocks |
|---|---|---|---|---|---|---|---|
| Guaranteed Interest | — | — | — | ||||
| Global Coverage | — | — | — | — | |||
| Benefit Multiplier | — | — | — | — | |||
| Rewards | — | — | — | — | — | — | |
| Easy to Use | — | — | — | ||||
| Flexible | — | — | — | — | — | ||
| Wellness Support | — | — | — | — | — | — |
*HSAs require purchase of ACA health plans. **Bank Account interest rates are rarely guaranteed.
Pricing questions, answered
Will my subscription price go up?
No, your rate is based on your age at the time you subscribe.
This means the earlier you subscribe, the lower your rate.
When will my card be charged?
Your card will only be charged once the Wallet and Vault are live (currently scheduled for October 1st).
How do I choose the right Vault size?
It depends on your budget, your comfort with risk, and how much financial preparation you want for serious health events. There's no wrong answer, choose the level you can maintain long-term.
What's the benefit of subscribing during Pre-Sale?
You'll receive rewards if you sign up during this period, including:
- 10% off your first year
- Lock in today's rate
- $25 for you. $25 for every friend you refer.
What payment methods are accepted?
Credit cards, debit cards, and ACH via Plaid. Monthly subscriptions processed by Stripe.
Is ionava insurance?
ionava sits in a different category than health and life insurance: it's a financial platform built to support your health.
More questions? Read the full FAQ.
The only price that matters is yours.
Take the Health Score assessment to see your personalised pricing for each Vault. Your card won't be charged until we go live October 1.
* Pricing in the Vault selections are valid for 15 days upon receiving your Health Score. After this time, you will need to reapply with a new Health Score.