Insurance & Coverage Partners

Insurance & Coverage Partners Help Clients Understand Their Coverage. Connect Them With More Healthcare Options.

Healthcare financing can be complicated.

A client may have health insurance but still not understand:

what is covered, what is excluded, whether planned treatment abroad is possible, whether prior authorisation is required, which documents must be submitted, how much the insurer may reimburse, or how much the client will ultimately need to pay personally.

Affordia Health does not want to replace insurance professionals.

We want to work with them.

Become an Affordia Insurance & Coverage Partner Affordia Health is building a network of independent professionals and organisations capable of helping clients understand and navigate their existing healthcare coverage.

Potential partners may include:

Licensed Insurance Brokers Independent Insurance Advisers International Health Insurance Specialists Private Health Insurance Specialists Employee Benefits Advisers Insurance Consultants Claims and Coverage Specialists International Patient Assistance Companies and other appropriately qualified professionals working within applicable insurance regulations.

You Understand Coverage.

We Understand Healthcare Access.

Together, we can give clients a clearer picture of their options.

Two Different Responsibilities The Affordia model keeps responsibilities separated.

Insurance & Coverage Partner The partner may help the client understand:

existing insurance, policy conditions, international coverage, deductibles, co-payments, benefit limits, provider restrictions, pre-authorisation requirements, required documentation, and communication with the insurer.

Affordia Health Affordia can help with:

healthcare option research, provider identification, hospital coordination, treatment quotations, international healthcare alternatives, China healthcare access, travel coordination, interpretation, local assistance, and other agreed Affordia services.

Coverage expertise stays with the coverage professional.

Healthcare coordination stays with Affordia.

The Insurer Makes the Final Decision Neither Affordia Health nor an independent coverage partner can guarantee that an insurer will reimburse a particular treatment.

The insurer remains responsible for its coverage decision according to the applicable insurance contract.

This distinction should always remain clear to the client.

Coverage Must Be Confirmed. Never Assumed.

A Simple Client Pathway A client may come to Affordia with a healthcare need.

Healthcare Need ↓ Affordia Initial Consultation ↓ Does the Client Have Potentially Relevant Insurance?

↓ Insurance & Coverage Partner ↓ Existing Coverage Is Reviewed ↓ Client Contacts / Coordinates With Insurer ↓ Insurer Provides Coverage or Pre-Authorisation Decision ↓ The client can then understand which financial pathway is available.

Self-Pay The client finances the healthcare journey independently.

Insurance-Assisted Eligible healthcare costs may be covered according to the insurer's decision.

Hybrid Insurance covers eligible costs while the client pays the remaining expenses.

Affordia can then build the healthcare journey around the confirmed financial situation.

Coverage Review Is a Separate Professional Service Insurance and coverage assistance should not be hidden inside the price of unrelated Affordia services.

Where a client chooses professional insurance or coverage assistance, that service may be separately priced.

The client should know:

who provides the service, what the service includes, what it costs, and who is responsible for the advice.

This keeps the system transparent.

Partners Can Receive Affordia Clients Affordia clients may require professional assistance understanding their existing insurance.

Where appropriate, Affordia may refer those clients to an Insurance & Coverage Partner.

The partner can then provide the agreed professional service directly to the client.

This creates a new source of relevant clients for insurance and coverage professionals.

Partners Can Also Refer Clients to Affordia The relationship can work in both directions.

An insurance professional may discover that a client:

needs treatment, has significant self-pay exposure, has international healthcare coverage, has access to treatment abroad, is looking for a lower-cost healthcare alternative, or wants to understand healthcare options outside their home market.

That client may benefit from Affordia Health.

The partner can introduce the client to the Affordia network.

Referrals Can Flow Both Ways.

International Healthcare Creates New Possibilities Healthcare coverage increasingly exists across borders.

Some clients have:

international private medical insurance, supplementary insurance, employer-sponsored coverage, expatriate healthcare plans, or other insurance arrangements that may contain international benefits.

Others have limited coverage but are prepared to selffinance part of their treatment.

Affordia Health can help transform these possibilities into practical healthcare options.

The Hybrid Opportunity One of the most interesting situations occurs when insurance covers only part of a healthcare journey.

For example:

Treatment Cost ↓ Eligible Insurance Coverage Client Self-Payment ↓ Affordia Coordination ↓ Healthcare Journey The objective is not to maximise insurance claims.

The objective is to help the client understand legitimate available coverage and then determine whether the remaining healthcare journey is financially realistic.

International Treatment Alternatives Coverage Partners can also work with clients who want to compare healthcare options internationally.

A client may have a significant out-of-pocket cost in one country while an appropriate healthcare alternative may exist elsewhere.

Affordia can help explore relevant international possibilities based on:

healthcare requirements, provider capability, availability, quality, expected treatment costs, travel requirements, and total journey costs.

China is currently an important treatment destination within the Affordia model.

As the network expands, additional destinations and healthcare partners may become available.

China Healthcare Access Insurance and coverage professionals generally do not need to understand the Chinese healthcare system themselves.

That is where Affordia can add value.

For appropriate cases, Affordia's China-side capabilities may support:

hospital identification, specialist access, treatment quotations, appointments, local communication, interpretation, travel coordination, airport assistance, accommodation support, and practical assistance during the healthcare journey.

The Insurance & Coverage Partner can remain focused on the client's financial and insurance situation.

Local Healthcare Matters Too Not every Affordia client needs treatment abroad.

The wider Affordia Healthcare Partner network can include:

hospitals, specialist clinics, diagnostic centres, rehabilitation facilities, physiotherapy providers, thermal and medical spas, recovery facilities, preventive healthcare providers, and other healthcare services.

This means a coverage partner may refer a client who ultimately receives care:

in China, elsewhere internationally, or within the client's own country.

The Destination Is Secondary. The Appropriate Solution Comes First.

Opportunities for Insurance Professionals Partnership with Affordia may create access to:

New Client Referrals Clients who require professional insurance or coverage assistance.

International Healthcare Cases Clients considering healthcare outside their home country.

Hybrid Financing Cases Clients combining insurance coverage with self-payment.

Cross-Border Healthcare Experience Participation in a developing international healthcare network.

Long-Term Client Relationships Healthcare decisions can reveal broader insurance and protection needs that remain within the partner's professional scope.

Reciprocal Referrals Relevant clients can move between the Affordia and partner networks where appropriate.

Opportunities for Assistance Companies Affordia Health is also interested in cooperation with established assistance organisations.

Depending on the partnership, Affordia may provide local or international capabilities supporting:

provider identification, healthcare coordination, China-side assistance, patient logistics, interpretation, transportation, accommodation, and other agreed services.

This can allow an assistance organisation to extend its practical healthcare reach without independently building every local capability.

Independence Matters Insurance & Coverage Partners remain independent professionals or organisations unless a specific contractual structure states otherwise.

Affordia does not require partners to:

change their brand, become Affordia employees, transfer their existing clients, or abandon their existing insurance relationships.

The objective is cooperation between complementary capabilities.

Independent Expertise. Connected Services.

Regulatory Responsibility Insurance advice and insurance distribution can be regulated activities.

Each Insurance & Coverage Partner is responsible for ensuring that they hold any licences, registrations, qualifications or permissions required for the services they provide in their jurisdiction.

Affordia Health does not authorise an individual to perform regulated insurance activities merely by accepting them as a network partner.

Partners must operate within their professional and legal scope.

Client First Partnership must never override the client's interests.

An Insurance & Coverage Partner should not recommend an insurance product merely because it generates compensation.

Affordia should not recommend a healthcare provider merely because a commercial relationship exists.

The client should receive transparent information necessary to make an informed decision.

The Client Comes Before the Referral.

Transparent Compensation Where referral fees, professional fees or other commercial compensation apply, the relevant arrangement should comply with applicable law and professional requirements.

Material relationships should be disclosed where required.

Affordia believes that a sustainable referral network depends on transparency.

Trust creates more long-term value than hidden commissions.

We Are Not Building an Insurance Company Affordia Health does not need to become an insurer to make insurance useful within the healthcare journey.

Instead, we can connect specialised capabilities:

Client ↓ Coverage Professional ↓ Insurer ↓ Affordia Health ↓ Healthcare Provider ↓ Recovery & Long-Term Care Each participant performs a different function.

Together, they can create a more complete healthcare pathway.

Build the Network With Us Affordia Health is interested in hearing from qualified insurance and coverage professionals who see value in connecting insurance expertise with healthcare access.

Tell us:

Who you are Where you operate Your professional qualifications or regulatory status Which insurance markets you understand Whether you specialise in health insurance Whether you work with international insurance Which countries you serve Which languages you support Whether you assist with pre-authorisation and coverage enquiries Whether you accept referred clients and How you would like to cooperate with Affordia Health Partnership opportunities are evaluated individually.

APPLY AS AN INSURANCE & COVERAGE PARTNER

Affordia Insurance & Coverage Network Understand the Coverage.

Understand the Cost. Then Build the Healthcare Journey.

Insurance when available. Self-pay when appropriate.

Hybrid when possible. More options for the client.

Affordia connects healthcare access with the professionals who understand how healthcare may be funded.