Payment & Coverage Options

Payment & Coverage Options More Than One Way to Fund Your Healthcare Journey Healthcare does not have to follow a single payment model.

Some clients prefer to pay for their treatment themselves.

Others already have private or international health insurance that may cover part of their treatment.

In some cases, a combination of insurance coverage and personal payment may be possible.

Affordia Health helps clients understand the available pathways before building their healthcare journey.

Understand Your Options Before You Pay.

Four Ways to Build Your Healthcare Journey 1. Self-Pay Maximum Independence Self-pay is the simplest Affordia Health pathway.

You choose the healthcare services you want and pay the healthcare provider directly wherever practicable.

Affordia Health can help you explore appropriate healthcare options based on factors such as:

your healthcare needs, hospital and specialist suitability, availability, expected costs, location, quality considerations, and your available budget.

You remain in control of the decision.

Self-Pay May Be Suitable When your insurance does not cover the treatment, you have a high deductible or significant out-of-pocket costs, the treatment is elective, you want an additional treatment option, you want faster access, or you simply prefer to finance your healthcare independently.

When you are paying yourself, it makes sense to understand your options globally.

2. Insurance-Assisted Your Existing Insurance May Matter Some clients already have health insurance that may provide coverage for treatment outside their home country.

This can include certain:

private health insurance, supplementary insurance, international health insurance, employer-sponsored international plans, or other healthcare coverage.

Coverage depends entirely on the individual insurance policy.

Affordia Health does not determine whether your treatment is covered.

Your insurer does.

However, where appropriate, we can help you organise information required to explore the possibility.

How Insurance-Assisted Coordination Can Work You tell us what healthcare you need ↓ You provide information about your existing insurance ↓ Potential treatment options are identified ↓ Relevant hospital information and expected costs can be prepared ↓ Coverage or pre-authorisation is requested from your insurer where required ↓ Your insurer makes the coverage decision ↓ If approved, the healthcare journey can be coordinated accordingly Affordia Health does not guarantee insurance approval.

3. Hybrid Insurance + Self-Pay Healthcare financing does not always have to be all or nothing.

Your insurance may cover one part of a healthcare journey while you pay another part yourself.

For example, depending on your insurance policy, coverage could potentially apply to certain eligible healthcare costs while the client remains responsible for:

deductibles, co-payments, non-covered treatment, travel, accommodation, Affordia Health services, or other excluded expenses.

The exact division depends on the insurer and policy.

The Principle Is Simple Use available insurance coverage where it legitimately applies.

Self-fund the remaining costs where the overall journey still makes sense.

This can create another option for clients who would otherwise assume they must either receive full insurance coverage or pay for everything themselves.

4. International Treatment Alternative Compare Before You Decide For suitable cases, Affordia Health can help clients explore an international treatment alternative.

The objective is not simply to find the lowest price.

The objective is to understand whether another healthcare market may offer an appropriate combination of:

quality, specialist capability, availability, waiting time, treatment cost, and total journey cost.

China is currently a primary destination within the Affordia Health model.

As the Affordia network develops, additional healthcare destinations may become available.

Compare the Total Cost A cheap procedure is not necessarily a cheap healthcare journey.

A meaningful comparison should consider more than the hospital invoice.

Depending on the case, the total journey may include:

Treatment Diagnostics Travel Accommodation Local transportation Interpretation Affordia Health services Recovery or follow-up requirements = Expected Total Journey Cost This allows clients to compare alternatives more realistically.

Affordia Coverage & Cost Check Start With the Financial Picture Before committing to a healthcare journey, we can help you understand which pathway may be worth exploring.

Tell us:

What healthcare do you need?

Where do you live?

Do you have health insurance?

Does your policy include international or private healthcare coverage?

What budget are you prepared to invest yourself?

We can then determine which possibilities deserve further investigation.

We Do Not Sell Insurance Affordia Health is not presented as your insurance company.

We do not make insurance coverage decisions.

We do not guarantee reimbursement.

And purchasing an Affordia Health service does not create insurance coverage.

Where insurance may be relevant, the applicable insurer remains responsible for interpreting the policy and deciding whether a particular treatment or expense is covered.

Existing Conditions Matter If you already have a medical condition, purchasing a new insurance policy does not mean that treatment for that condition will automatically be covered.

Insurance products may contain:

pre-existing condition exclusions, waiting periods, geographical restrictions, provider networks, benefit limits, deductibles, pre-authorisation requirements, and other conditions.

For this reason, Affordia Health does not advise clients to purchase insurance on the assumption that an alreadyknown treatment will subsequently be reimbursed.

Coverage must be verified. Never assumed.

Direct Payment Where Possible Affordia Health aims to keep financial relationships understandable.

Depending on the arrangement:

Healthcare provider → paid for healthcare Affordia Health → paid for Affordia Health services Other providers → paid for their respective services Where an insurer has an approved direct-billing arrangement with a healthcare provider, the payment structure may operate differently.

This should be established before treatment wherever possible.

For Swiss Clients High Healthcare Costs Make Comparison Valuable Having health insurance does not necessarily mean that every healthcare expense is fully reimbursed.

Deductibles, co-payments, supplementary coverage, exclusions and non-covered services can leave clients responsible for significant costs.

When you are paying a meaningful part of healthcare yourself, comparing appropriate international alternatives may be worth considering.

Affordia Health can help you explore whether China provides a relevant option for your individual situation.

Not every treatment belongs abroad. But every significant self-pay cost deserves informed comparison.

For Internationally Insured Clients If you already hold international or private health insurance, tell us before we build your journey.

Depending on your policy, your insurer may require:

prior approval, a treatment plan, medical documentation, a hospital quotation, confirmation of the healthcare provider, or other information.

Where this falls within our agreed services, Affordia Health can assist with coordinating the relevant information.

The insurer always retains the final coverage decision.

For Insurers and Assistance Partners Affordia Health is also interested in cooperation with insurers, assistance companies and healthcare organisations seeking international treatment alternatives for suitable cases.

Our developing China-side capabilities can support:

provider identification, hospital coordination, treatment quotations, international patient logistics, interpretation, local assistance, and complete journey coordination.

The objective is straightforward:

Appropriate Care. More Options. Better Cost Visibility.

Affordia Health welcomes discussions concerning structured international healthcare cooperation.

Your Healthcare. Your Coverage. Your Budget.

There is no single financial model that works for every client.

That is why Affordia Health recognises four pathways:

Self-Pay Insurance-Assisted Hybrid International Treatment Alternative We help you understand the possibilities.

Your healthcare provider determines your healthcare.

Your insurer determines your coverage.

You make the final decision.

CHECK MY OPTIONS