Global Licensing Partnership Open
Own the prevention market in your country.
HealthInsu™ pairs preventive supplements with insurance benefits —
a patented model Jowin has built over 12 years in Korea.
Licensed to one partner per country.
01 · The prevention market
Hundreds of billions,
spent on staying healthy.
Supplements, vitamins, functional foods, check-ups, wearables, gyms, clinics. Consumers around the world spend on prevention every day — long before any illness occurs. The market is enormous, and the spend is recurring.
02 · The insurance market
Trillions,
spent after illness happens.
Health and critical-illness insurance globally collect trillions in premiums. But the model is structurally reactive: it primarily pays out after a disease occurs. Insurance is an after-the-fact backstop — it does not, by itself, prevent the event.
03 · The problem
Two enormous markets —
and they don't talk
to each other.
Prevention products promise outcomes they can't verify. Insurance covers events it can't prevent. Consumers buy both, separately, with no proof that prevention works and no financial incentive for it to do so. The two halves of healthcare run in parallel — but never connect.
04 · What if we connected them?
Make prevention measurable.
Make insurance preventable.
Subscribe to a disease-prevention product. If a covered disease occurs, receive an insurance benefit. The two markets become one structure — and for the first time, prevention compounds: usage produces data, data produces underwriting, and trust replaces marketing.
05 · HealthInsu™
Subscribe. Use.
Get the benefit
if you need it.
The structure has three operational pieces: a subscription to a validated prevention product, a defined observation window, and an insurance benefit triggered by a covered event. It's protected by business-model and system patents, and designed to be localized — one country at a time.
06 · For the subscriber
Health every day.
Protection if illness happens.
The subscriber is not buying a leap of faith. They're buying the prevention product they want to take anyway — plus a defined insurance benefit if a covered disease occurs. Transparent terms. Defined check-in points. The product earns its place over a year, not a launch month.
07 · For the supplement manufacturer
Recurring revenue.
Defensible retention.
Subscription consumption replaces one-off shelf sales. The insurance-linked structure raises 12-month retention by tying continued use to the benefit. Repurchase economics compound. Brand-driven competitors keep spending on marketing; you build a structure they can't out-market.
08 · For the insurer
Four revenue lines.
One clean structure.
The insurer monetizes the prevention cohort in four concrete ways at once — a recurring premium from a short-term group policy, a loss ratio tightened by actual cohort data instead of population tables, zero direct acquisition cost because the policy ships with the subscription, and a warm cross-sell pipeline into traditional health and critical-illness lines. The short-term group structure keeps the book clean — no long-tail life-or-CI liability sits on the balance sheet.
09 · Jowin's role & your role
Jowin owns the model.
You localize it.
Jowin provides the patents, the disease-specific formulas, the ingredient supply, the insurance-linked structure, the sales know-how, and the brand. You bring the local insurer, the local manufacturer, the local marketing, and the local distribution. Together, you launch a country-level HealthInsu™ business — under one exclusive master license.
10 · Company & Korean references
Founded 2014.
Now operating it.
Jowin Inc. — founded in February 2014, Korea-based, led by CEO Lee Ki-sook, with KRW 5.3 billion (≈ USD 4M) in paid-in capital and the HealthInsu™ business-model patent. Independently valued at ≈ USD 900M by Hyundai Accounting. First cancer-prevention product sold out at launch.
Insurer MOU
Korean insurer partnership signed under MOU.
Local-gov't adoption
Senior-care program rollout in discussion.
Medical validation
Specialist physicians endorsing the model.
Already operating
HealthInsu™ live in Korea today — references on file.
11 · How it works
From first email to master license — at a sustainable pace.
No long-form license on day one. Each step is small enough to walk away from — until the data justifies the next one.
NDA
Light-touch NDA after the first call. Disclosure of the full HealthInsu™ structure, patent scope, and reference data with your team.
Country feasibility
Joint regulatory and insurance scan, partner shortlist (2–3 insurers, 2–3 manufacturers, clinical partners), country term sheet. No long-form license yet.
100-person pilot
Under the agreed design. Measure purchase conversion, 12-month retention, repurchase, and claim rate. Both sides see whether the model works for your market — cheaply.
Master license
Pilot data informs the long-form license — exclusivity scope, royalties, milestones, sub-licensing. Full launch and vertical sub-licenses follow.
Ready?
Tell us your country.
We'll set up the meeting.
We respond to every inquiry. Strong fits are invited to a 30-min Zoom to discuss country exclusivity, structure, and timing.
Join & WinWin. Jowin!