You don't need a license to sell supplements. What HealthInsu™ gives you is differentiation: in a market crowded with brands and channels, a verifiable, insurance-linked structure shifts the conversation from "trust our marketing" to "here is a transparent 1-year structure." It's most useful in higher-ticket, subscription, or trust-deficit categories.

That's exactly what the pilot is built to measure. You start with one product and one cohort (100 → 300 → 1,000) over a 12-month window, tracking purchase conversion, 12-month retention, repurchase rate, and benefit-claim rate. The pilot numbers tell us whether — and how — to scale.

The benefit structure is defined per licensee, together with the local insurance partner. Typically the licensee runs the consumer-facing program while the insurance partner underwrites the actual coverage. The exact split — and the role of marketing budget, sub-licensing fees, and trial-program revenue — is settled during the 90-day feasibility and written into the master license terms.

This is the single most important regulatory question, and we handle it at three layers: (1) approved language standards that avoid disease-prevention claims; (2) local legal review during the 90-day feasibility; (3) operational training for sales and customer service. HealthInsu™ is positioned as a prevention category with verified usage and conditional benefit — not as medical efficacy.

Then we localize the structure, or in some cases we step away from the market. The 90-day feasibility window exists precisely to surface that kind of regulatory friction before either side commits. Most markets we've reviewed can adopt HealthInsu™ with adjustments — the few that can't are caught during the scan, not after signing.

No. The sequence is NDA → 90-day feasibility → country term sheet → 100-person pilot → 12-month observation → master license. Real money commitments happen at the term sheet and pilot stages, not at the NDA.

Structure briefing (days 1–14), local regulatory and insurance scan (15–45), partner shortlist of 2–3 insurers, 2–3 manufacturers, and 1+ clinical partner per vertical (46–75), and a country term sheet (76–90). It's a joint exercise — both sides qualify the market together.

The model fits country-level operators who can credibly assemble three local relationships: an insurance partner, a supplement manufacturer (or import partner), and a marketing or distribution channel. Holding companies, healthcare investors, integrated clinics, and well-networked entrepreneurs all qualify. Solo founders without partner access typically don't.

The license includes Jowin's HealthInsu™ business-model patents, system patents covering the prevention-subscription-to-insurance-benefit linkage, disease-specific preventive formulas, and ingredient supply. The full IP scope (filing numbers, jurisdictions, remaining term, exact claim coverage) is disclosed under NDA during the 90-day feasibility.

The pilot is there to find that out cheaply. If retention and repurchase metrics fall below thresholds, we adjust the product mix, communication, or benefit structure — and re-pilot. If the market simply doesn't respond, both sides walk away before a full master license. That optionality is the whole point of starting at 100 people, not 100,000.

Yes — it's one of the five revenue layers. The master license includes vertical sub-licensing rights, so you can grant disease-specific licenses (eyecare, dental, joint, women's health, oncology) to local specialty operators under your country-level exclusivity.

A normal partnership pairs an existing product with an existing insurance policy. HealthInsu™ is a structural license — you get a tested model (subscription, validation, benefit, data) plus the right to localize it. You're not licensing a product; you're licensing a market structure.