JOIN THE REGISTRY
Institutional Investor Portal
Institutional Investor Portal
Institutional Investor Portal
Cross-Border Longevity Infrastructure.
Cross-Border Longevity Infrastructure.
Cross-Border Longevity Infrastructure.
A de-risked, asset-light entry into the Silver Economy, engineered for top-quartile profitability and structural margin expansion at stabilisation.
A de-risked, asset-light entry into the Silver Economy, engineered for top-quartile profitability and structural margin expansion at stabilisation.
A de-risked, asset-light entry into the Silver Economy, engineered for top-quartile profitability and structural margin expansion at stabilisation.
410,000
410,000
410,000
AU aged care residents by 2044
AU aged care residents by 2044
AU aged care residents by 2044
60%
60%
60%
Self-funded private market
Self-funded private market
Self-funded private market
8.1×
8.1×
8.1×
Structural Wage Cost Advantage
Structural Wage Cost Advantage
Structural Wage Cost Advantage
$0
$0
$0
Capital lockup for residents
Capital lockup for residents
Capital lockup for residents
Capitalising on the Silver Economy.
Capitalising on the Silver Economy.
Capitalising on the Silver Economy.
The global eldercare sector is undergoing a massive structural transformation, driven by an unprecedented demographic shift and escalating domestic healthcare costs. The Avīnya offers institutional investors, private equity firms, and family offices a de-risked, high-yield entry into cross-border longevity infrastructure, capturing a highly motivated demographic through powerful geographic cost arbitrage.
The global eldercare sector is undergoing a massive structural transformation, driven by an unprecedented demographic shift and escalating domestic healthcare costs. The Avīnya offers institutional investors, private equity firms, and family offices a de-risked, high-yield entry into cross-border longevity infrastructure, capturing a highly motivated demographic through powerful geographic cost arbitrage.
The global eldercare sector is undergoing a massive structural transformation, driven by an unprecedented demographic shift and escalating domestic healthcare costs. The Avīnya offers institutional investors, private equity firms, and family offices a de-risked, high-yield entry into cross-border longevity infrastructure, capturing a highly motivated demographic through powerful geographic cost arbitrage.
The Market Failure
The Market Failure
The Market Failure
The Demographic Surge
The Demographic Surge
1 in 5
1 in 5
Australians aged over 65 by 2063
Australians aged over 65 by 2063
AU residents in care by 2044
AU residents in care by 2044
410,000
410,000
NZ bed shortfall by 2032
NZ bed shortfall by 2032
12,000
12,000
By 2063, one in five Australians will be over 65, creating a projected need for 10,000 new aged care beds annually just to maintain current levels. Over the next 20 years, Australian residential aged care demand is forecast to grow by 10,600 residents per year, reaching 410,000 people by 2044. Concurrently, New Zealand is facing a severe infrastructure crisis, with a projected shortfall of 12,000 aged care beds by 2032.
By 2063, one in five Australians will be over 65, creating a projected need for 10,000 new aged care beds annually just to maintain current levels. Over the next 20 years, Australian residential aged care demand is forecast to grow by 10,600 residents per year, reaching 410,000 people by 2044. Concurrently, New Zealand is facing a severe infrastructure crisis, with a projected shortfall of 12,000 aged care beds by 2032.
The Supply Bottleneck
The Supply Bottleneck
96,709
96,709
waiting in the National Priority System, FY25
waiting in the National Priority System, FY25
Waitlist year on year
Waitlist year on year
+41%
+41%
Unoccupied places
Unoccupied places
−15.5%
−15.5%
National operational occupancy
National operational occupancy
89.9%
89.9%
The system is structurally out of capacity. In FY25, 96,709 people were waiting in the National Priority System for a Home Care Package; a massive 41% year-over-year increase. Simultaneously, unoccupied operational residential places fell sharply by 15.5%, pushing the average operational occupancy up to 89.9% nationally.
The system is structurally out of capacity. In FY25, 96,709 people were waiting in the National Priority System for a Home Care Package; a massive 41% year-over-year increase. Simultaneously, unoccupied operational residential places fell sharply by 15.5%, pushing the average operational occupancy up to 89.9% nationally.
The Waitlist Reality
The Waitlist Reality
347 days
347 days
median wait for a Support at Home package
median wait for a Support at Home package
Support at Home package
Support at Home package
347 days
347 days
Residential aged care entry
Residential aged care entry
13–14 months
13–14 months
Older Australians face a median wait time of 347 days for a Support at Home package, and 13 to 14 months to enter residential aged care.
Older Australians face a median wait time of 347 days for a Support at Home package, and 13 to 14 months to enter residential aged care.
The Private Payer Drain
The Private Payer Drain
60%
60%
of Australian aged care residents are self-funded
of Australian aged care residents are self-funded
Australia · self-funded residents
Australia · self-funded residents
60%
60%
New Zealand · private payers
New Zealand · private payers
37%
37%
Out of pocket, per year
Out of pocket, per year
$62,400 – $93,600
$62,400 – $93,600
A massive segment of the market receives zero government assistance for accommodation. In Australia, 60% of aged care residents are self-funded. In New Zealand, 37% of residents are classified as private payers, forcing them to pay full market rates ranging from $62,400 to $93,600+ annually out of pocket until their life savings are entirely depleted.
A massive segment of the market receives zero government assistance for accommodation. In Australia, 60% of aged care residents are self-funded. In New Zealand, 37% of residents are classified as private payers, forcing them to pay full market rates ranging from $62,400 to $93,600+ annually out of pocket until their life savings are entirely depleted.
The Demographic Surge
1 in 5
Australians aged over 65 by 2063
AU residents in care by 2044
410,000
NZ bed shortfall by 2032
12,000
By 2063, one in five Australians will be over 65, creating a projected need for 10,000 new aged care beds annually just to maintain current levels. Over the next 20 years, Australian residential aged care demand is forecast to grow by 10,600 residents per year, reaching 410,000 people by 2044. Concurrently, New Zealand is facing a severe infrastructure crisis, with a projected shortfall of 12,000 aged care beds by 2032.
The Waitlist Reality
347 days
median wait for a Support at Home package
Support at Home package
347 days
Residential aged care entry
13–14 months
Older Australians face a median wait time of 347 days for a Support at Home package, and 13 to 14 months to enter residential aged care.
The Supply Bottleneck
96,709
waiting in the National Priority System, FY25
Waitlist year on year
+41%
Unoccupied places
−15.5%
National operational occupancy
89.9%
The system is structurally out of capacity. In FY25, 96,709 people were waiting in the National Priority System for a Home Care Package; a massive 41% year-over-year increase. Simultaneously, unoccupied operational residential places fell sharply by 15.5%, pushing the average operational occupancy up to 89.9% nationally.
The Private Payer Drain
60%
of Australian aged care residents are self-funded
Australia · self-funded residents
60%
New Zealand · private payers
37%
Out of pocket, per year
$62,400 – $93,600
A massive segment of the market receives zero government assistance for accommodation. In Australia, 60% of aged care residents are self-funded. In New Zealand, 37% of residents are classified as private payers, forcing them to pay full market rates ranging from $62,400 to $93,600+ annually out of pocket until their life savings are entirely depleted.
The Disruption: Solving the Capital Seizure Crisis.
The Disruption: Solving the Capital Seizure Crisis.
The Disruption: Solving the Capital Seizure Crisis.
Middle-to-upper-class retirees are heavily penalised by domestic systems, effectively forcing asset liquidation to secure premium care. The Avīnya’s pricing model leverages these exorbitant domestic costs to offer an irresistible, asset-light consumer proposition.
Middle-to-upper-class retirees are heavily penalised by domestic systems, effectively forcing asset liquidation to secure premium care. The Avīnya’s pricing model leverages these exorbitant domestic costs to offer an irresistible, asset-light consumer proposition.
Middle-to-upper-class retirees are heavily penalised by domestic systems, effectively forcing asset liquidation to secure premium care. The Avīnya’s pricing model leverages these exorbitant domestic costs to offer an irresistible, asset-light consumer proposition.
The Competitor Weakness
The Competitor Weakness
The Competitor Weakness
The RAD Extortion
The RAD Extortion
The RAD Extortion
The Australian Refundable Accommodation Deposit (RAD) averages $600,000 AUD, frequently exceeding $1 Million to $1.5 Million AUD in affluent metropolitan areas. This freezes core family wealth in an interest-free, non-productive government account.
The Australian Refundable Accommodation Deposit (RAD) averages $600,000 AUD, frequently exceeding $1 Million to $1.5 Million AUD in affluent metropolitan areas. This freezes core family wealth in an interest-free, non-productive government account.
The Australian Refundable Accommodation Deposit (RAD) averages $600,000 AUD, frequently exceeding $1 Million to $1.5 Million AUD in affluent metropolitan areas. This freezes core family wealth in an interest-free, non-productive government account.
The DAP Surcharge
The DAP Surcharge
The DAP Surcharge
Retirees who decline the lump-sum RAD must pay a non-refundable Daily Accommodation Payment (DAP). Linked to the government’s 8.43% Maximum Permissible Interest Rate (MPIR), a standard to premium room equates to a punitive daily rent of $164 – $233 AUD per day. This drains approximately $60,000 – $85,000 AUD annually in “dead money” purely for room occupancy.
Retirees who decline the lump-sum RAD must pay a non-refundable Daily Accommodation Payment (DAP). Linked to the government’s 8.43% Maximum Permissible Interest Rate (MPIR), a standard to premium room equates to a punitive daily rent of $164 – $233 AUD per day. This drains approximately $60,000 – $85,000 AUD annually in “dead money” purely for room occupancy.
Retirees who decline the lump-sum RAD must pay a non-refundable Daily Accommodation Payment (DAP). Linked to the government’s 8.43% Maximum Permissible Interest Rate (MPIR), a standard to premium room equates to a punitive daily rent of $164 – $233 AUD per day. This drains approximately $60,000 – $85,000 AUD annually in “dead money” purely for room occupancy.
The New Zealand ORA & DMF Trap
The New Zealand ORA & DMF Trap
The New Zealand ORA & DMF Trap
New Zealand retirement villages operate on an Occupation Right Agreement (ORA) model, which charges a non-refundable Deferred Management Fee (DMF). This ‘exit tax’ routinely erodes 20% to 30% of the retiree’s initial capital upon departure. Operators also retain 100% of any capital gains when the unit is resold, systematically stripping families of their generational wealth.
New Zealand retirement villages operate on an Occupation Right Agreement (ORA) model, which charges a non-refundable Deferred Management Fee (DMF). This ‘exit tax’ routinely erodes 20% to 30% of the retiree’s initial capital upon departure. Operators also retain 100% of any capital gains when the unit is resold, systematically stripping families of their generational wealth.
New Zealand retirement villages operate on an Occupation Right Agreement (ORA) model, which charges a non-refundable Deferred Management Fee (DMF). This ‘exit tax’ routinely erodes 20% to 30% of the retiree’s initial capital upon departure. Operators also retain 100% of any capital gains when the unit is resold, systematically stripping families of their generational wealth.
What happens to your capital
What happens to your capital
What happens to your capital
$600,000 seized, or $0 seized.
$600,000 seized, or $0 seized.
$600,000 seized, or $0 seized.
The Avīnya Arbitrage
The Avīnya Arbitrage
The Avīnya Arbitrage
By offering a $0 RAD, flat-fee luxury residency at $5,000 AUD per month, The Avīnya allows self-funded retirees to preserve their capital, generating an irresistible consumer proposition while unlocking extraordinary operational margins.
By offering a $0 RAD, flat-fee luxury residency at $5,000 AUD per month, The Avīnya allows self-funded retirees to preserve their capital, generating an irresistible consumer proposition while unlocking extraordinary operational margins.
By offering a $0 RAD, flat-fee luxury residency at $5,000 AUD per month, The Avīnya allows self-funded retirees to preserve their capital, generating an irresistible consumer proposition while unlocking extraordinary operational margins.
Unmatched Profitability and Operational Efficiency.
Unmatched Profitability and Operational Efficiency.
Unmatched Profitability and Operational Efficiency.
By leveraging strong cross-border revenue streams against Indonesia’s highly efficient operational frameworks and cost structures, the business model fundamentally outperforms the domestic industry.
By leveraging strong cross-border revenue streams against Indonesia’s highly efficient operational frameworks and cost structures, the business model fundamentally outperforms the domestic industry.
By leveraging strong cross-border revenue streams against Indonesia’s highly efficient operational frameworks and cost structures, the business model fundamentally outperforms the domestic industry.
Engineered for Institutional Security.
We execute an elite 1:1 care ratio. A high-touch service and care matrix providing 24/7 rotational Registered Nurses, private chefs, and dedicated care aides costs approximately $163,200 USD annually in Bali. Running a similar facility in Australia would cost upwards of $110,000 USD per month in clinical wages alone.
We execute an elite 1:1 care ratio. A high-touch service and care matrix providing 24/7 rotational Registered Nurses, private chefs, and dedicated care aides costs approximately $163,200 USD annually in Bali. Running a similar facility in Australia would cost upwards of $110,000 USD per month in clinical wages alone.
We execute an elite 1:1 care ratio. A high-touch service and care matrix providing 24/7 rotational Registered Nurses, private chefs, and dedicated care aides costs approximately $163,200 USD annually in Bali. Running a similar facility in Australia would cost upwards of $110,000 USD per month in clinical wages alone.
Engineered for Institutional Security.
Engineered for Institutional Security.
Engineered for Institutional Security.
We recognise the unique complexities of cross-border healthcare and real estate.
Our operational framework systematically neutralises the primary pain points associated with overseas investment.
We recognise the unique complexities of cross-border healthcare and real estate.
Our operational framework systematically neutralises the primary pain points associated with overseas investment.
We recognise the unique complexities of cross-border healthcare and real estate.
Our operational framework systematically neutralises the primary pain points associated with overseas investment.
Risk 01
Risk 01
Vacancy & Demand Volatility
Vacancy & Demand Volatility
Mitigation
Mitigation
Vacancy risk is eradicated prior to physical launch. We utilise high-intent digital acquisition funnels to secure contractually validated Expressions of Interest (EOI) and waitlists from affluent ANZ seniors actively seeking RAD alternatives.
Vacancy risk is eradicated prior to physical launch. We utilise high-intent digital acquisition funnels to secure contractually validated Expressions of Interest (EOI) and waitlists from affluent ANZ seniors actively seeking RAD alternatives.
Risk 02
Risk 02
Clinical Liability & Acuity Creep
Clinical Liability & Acuity Creep
Mitigation
Mitigation
Led by physician-trained clinical governance, our intake protocols accept only mobile, cognitively independent seniors who pass ‘fit-to-fly’ assessments. We assume zero high-acuity hospital liability; all complex trauma and emergency evacuations are contractually outsourced to our partnered ACHSI-accredited medical institutions.
Led by physician-trained clinical governance, our intake protocols accept only mobile, cognitively independent seniors who pass ‘fit-to-fly’ assessments. We assume zero high-acuity hospital liability; all complex trauma and emergency evacuations are contractually outsourced to our partnered ACHSI-accredited medical institutions.
Risk 03
Risk 03
Regulatory & Sovereign Exposure
Regulatory & Sovereign Exposure
Mitigation
Mitigation
We operate with absolute legal transparency. Our corporate structure utilises a Foreign-Owned Limited Liability Company (PT PMA) operating under KBLI 87303 (Senior Living Accommodation Management Activities), explicitly permitting 100% foreign ownership and ensuring full compliance with the Indonesian Ministry of Social Affairs.
We operate with absolute legal transparency. Our corporate structure utilises a Foreign-Owned Limited Liability Company (PT PMA) operating under KBLI 87303 (Senior Living Accommodation Management Activities), explicitly permitting 100% foreign ownership and ensuring full compliance with the Indonesian Ministry of Social Affairs.
Risk 04
Risk 04
Real Estate Inflation & Landlord Default
Real Estate Inflation & Landlord Default
Mitigation
Mitigation
Our PropCo/OpCo strategy avoids speculative land debt. Facility footprints are secured via multi-year commercial leaseholds paid fully upfront, permanently insulating the operation from local rental inflation. Master leases include fixed-inflation Options to Purchase (OTP) to protect long-term capital appreciation.
Our PropCo/OpCo strategy avoids speculative land debt. Facility footprints are secured via multi-year commercial leaseholds paid fully upfront, permanently insulating the operation from local rental inflation. Master leases include fixed-inflation Options to Purchase (OTP) to protect long-term capital appreciation.
Risk 01
Vacancy & Demand Volatility
Mitigation
Vacancy risk is eradicated prior to physical launch. We utilise high-intent digital acquisition funnels to secure contractually validated Expressions of Interest (EOI) and waitlists from affluent ANZ seniors actively seeking RAD alternatives.
Risk 03
Regulatory & Sovereign Exposure
Mitigation
We operate with absolute legal transparency. Our corporate structure utilises a Foreign-Owned Limited Liability Company (PT PMA) operating under KBLI 87303 (Senior Living Accommodation Management Activities), explicitly permitting 100% foreign ownership and ensuring full compliance with the Indonesian Ministry of Social Affairs.
Risk 02
Clinical Liability & Acuity Creep
Mitigation
Led by physician-trained clinical governance, our intake protocols accept only mobile, cognitively independent seniors who pass ‘fit-to-fly’ assessments. We assume zero high-acuity hospital liability; all complex trauma and emergency evacuations are contractually outsourced to our partnered ACHSI-accredited medical institutions.
Risk 04
Real Estate Inflation & Landlord Default
Mitigation
Our PropCo/OpCo strategy avoids speculative land debt. Facility footprints are secured via multi-year commercial leaseholds paid fully upfront, permanently insulating the operation from local rental inflation. Master leases include fixed-inflation Options to Purchase (OTP) to protect long-term capital appreciation.
Scaling Demand: The B2B Advisory Pipeline.
Scaling Demand: The B2B Advisory Pipeline.
Scaling Demand: The B2B Advisory Pipeline.
Traditional aged care providers rely on highly inefficient, expensive direct-to-consumer marketing. To drive our Customer Acquisition Cost (CAC) down to near zero, our growth strategy utilises a highly targeted B2B referral network, partnering directly with Oceania’s leading Aged Care Financial Planners, private wealth managers, and boutique real estate downsizing agents.
Traditional aged care providers rely on highly inefficient, expensive direct-to-consumer marketing. To drive our Customer Acquisition Cost (CAC) down to near zero, our growth strategy utilises a highly targeted B2B referral network, partnering directly with Oceania’s leading Aged Care Financial Planners, private wealth managers, and boutique real estate downsizing agents.
Traditional aged care providers rely on highly inefficient, expensive direct-to-consumer marketing. To drive our Customer Acquisition Cost (CAC) down to near zero, our growth strategy utilises a highly targeted B2B referral network, partnering directly with Oceania’s leading Aged Care Financial Planners, private wealth managers, and boutique real estate downsizing agents.
Intercepting the Capital Liquidation
Intercepting the Capital Liquidation
Intercepting the Capital Liquidation
These financial professionals serve as trusted gatekeepers. They advise families at the exact moment a retiree confronts the shock of liquidating their estate to fund a $600,000+ AUD institutional deposit. By integrating The Avīnya into their advisory portfolios, we give these gatekeepers a highly attractive, wealth-preserving alternative to present to their high-net-worth clients, effectively securing pre-qualified, high-intent leads.
These financial professionals serve as trusted gatekeepers. They advise families at the exact moment a retiree confronts the shock of liquidating their estate to fund a $600,000+ AUD institutional deposit. By integrating The Avīnya into their advisory portfolios, we give these gatekeepers a highly attractive, wealth-preserving alternative to present to their high-net-worth clients, effectively securing pre-qualified, high-intent leads.
These financial professionals serve as trusted gatekeepers. They advise families at the exact moment a retiree confronts the shock of liquidating their estate to fund a $600,000+ AUD institutional deposit. By integrating The Avīnya into their advisory portfolios, we give these gatekeepers a highly attractive, wealth-preserving alternative to present to their high-net-worth clients, effectively securing pre-qualified, high-intent leads.
Equipping the Gatekeepers
Equipping the Gatekeepers
Equipping the Gatekeepers
We empower our allied financial planners with transparent financial modelling and dedicated onboarding support. This allows advisors to instantly compare traditional RAD/DAP or ORA fee combinations against our asset-light arbitrage model, making The Avīnya the most mathematically logical recommendation in their portfolio.
We empower our allied financial planners with transparent financial modelling and dedicated onboarding support. This allows advisors to instantly compare traditional RAD/DAP or ORA fee combinations against our asset-light arbitrage model, making The Avīnya the most mathematically logical recommendation in their portfolio.
We empower our allied financial planners with transparent financial modelling and dedicated onboarding support. This allows advisors to instantly compare traditional RAD/DAP or ORA fee combinations against our asset-light arbitrage model, making The Avīnya the most mathematically logical recommendation in their portfolio.
The Series A Horizon
The Series A Horizon
The Series A Horizon
Scaling the “Roaming Retiree” Ecosystem.
Scaling the “Roaming Retiree” Ecosystem.
Scaling the “Roaming Retiree” Ecosystem.
The Avīnya is designed for rapid, modular scalability without diluting our core luxury offering. We strictly cap facility footprints at 15 to 50 villas to preserve exclusivity and the 1:1 service ratio.
The Avīnya is designed for rapid, modular scalability without diluting our core luxury offering. We strictly cap facility footprints at 15 to 50 villas to preserve exclusivity and the 1:1 service ratio.
The Avīnya is designed for rapid, modular scalability without diluting our core luxury offering. We strictly cap facility footprints at 15 to 50 villas to preserve exclusivity and the 1:1 service ratio.
Our Series A roadmap targets the deployment of standardised, asset-light management nodes across Southeast Asia’s most favourable visa and labour-arbitrage markets, including planned expansions in Phuket, Thailand, and Da Nang, Vietnam. This creates a ‘Roaming Retiree’ ecosystem, allowing residents to seamlessly transfer between international sanctuaries under a singular corporate subscription, maximising Customer Lifetime Value (LTV).
Our Series A roadmap targets the deployment of standardised, asset-light management nodes across Southeast Asia’s most favourable visa and labour-arbitrage markets, including planned expansions in Phuket, Thailand, and Da Nang, Vietnam. This creates a ‘Roaming Retiree’ ecosystem, allowing residents to seamlessly transfer between international sanctuaries under a singular corporate subscription, maximising Customer Lifetime Value (LTV).
Our Series A roadmap targets the deployment of standardised, asset-light management nodes across Southeast Asia’s most favourable visa and labour-arbitrage markets, including planned expansions in Phuket, Thailand, and Da Nang, Vietnam. This creates a ‘Roaming Retiree’ ecosystem, allowing residents to seamlessly transfer between international sanctuaries under a singular corporate subscription, maximising Customer Lifetime Value (LTV).
REQUEST INVESTMENT MEMORANDUM & DATA ROOM
REQUEST INVESTMENT MEMORANDUM
Strictly for accredited institutional investors, private equity partners, and family offices.
Strictly for accredited institutional investors, private equity partners, and family offices.
Strictly for accredited institutional investors, private equity partners, and family offices.
An interdisciplinary residential sanctuary in Bali for uncompromised longevity and restorative living.
DISCLAIMER · COMPLIANCE
The Avīnya operates exclusively as a corporate hospitality and independent living entity, and we do not operate as a licensed medical institution or 24/7 skilled nursing facility. We do not employ in-house medical staff or dispense medical treatments. All direct medical care, emergency triage, and visa processing services are outsourced to independent, licensed professionals. The Avīnya assumes no liability for medical outcomes, repatriation logistics, or immigration decisions. All residents are strictly required to maintain comprehensive international health and repatriation insurance for the duration of their residency.
© 2026 The Avīnya. Bali, Indonesia. All rights reserved.
An interdisciplinary residential sanctuary in Bali for uncompromised longevity and restorative living.
DISCLAIMER · COMPLIANCE
The Avīnya operates exclusively as a corporate hospitality and independent living entity, and we do not operate as a licensed medical institution or 24/7 skilled nursing facility. We do not employ in-house medical staff or dispense medical treatments. All direct medical care, emergency triage, and visa processing services are outsourced to independent, licensed professionals. The Avīnya assumes no liability for medical outcomes, repatriation logistics, or immigration decisions. All residents are strictly required to maintain comprehensive international health and repatriation insurance for the duration of their residency.
© 2026 The Avīnya. Bali, Indonesia. All rights reserved.
An interdisciplinary residential sanctuary in Bali for uncompromised longevity and restorative living.
DISCLAIMER · COMPLIANCE
The Avīnya operates exclusively as a corporate hospitality and independent living entity, and we do not operate as a licensed medical institution or 24/7 skilled nursing facility. We do not employ in-house medical staff or dispense medical treatments. All direct medical care, emergency triage, and visa processing services are outsourced to independent, licensed professionals. The Avīnya assumes no liability for medical outcomes, repatriation logistics, or immigration decisions. All residents are strictly required to maintain comprehensive international health and repatriation insurance for the duration of their residency.
© 2026 The Avīnya. Bali, Indonesia. All rights reserved.