Your health record should answer for you — and say no for you.

Medical records still travel as files: unreadable, irrevocable, re-requested.

• Unreadable

  A patient flying from Shanghai to Seoul or Houston brings PDFs, photos and CDs her new doctor can’t read. Dana-Farber’s online second opinion can’t process non-English requests.^S11

• Irrevocable

  Patients email full records to agents and translators. Once sent: no scope, no expiry, no log.

• Re-requested, re-paid

  Every new reader starts over — and someone pays again.

Across borders, sharing health data is all-or-nothing, slow, and forever.

Sources 4

1. S11

   Dana-Farber FAQ; Cleveland Clinic MyConsult page · 2026

   Dana-Farber online second opinion: $3,000; unable to process requests not in English. Cleveland Clinic virtual second opinion: $1,690 written report; $4,500 for patients outside the US

   dana-farber.orgmy.clevelandclinic.org

2. S10

   Saint Lucia Consulting (盛诺一家) price list, Apr 7, 2025 · 2025-04

   Chinese outbound-care agency lists 病历整理及翻译 (record organization and translation) at ¥5,000–20,000 (≈$700–2,800) per case

   stluciabj.cn

3. S8

   Munich Re US Life (2025); Policygenius · 2025-04

   Attending Physician Statement costs $30–100 per provider; delivery can take up to 45 days (30-day legal window)

   munichre.com

4. S6

   SSA blog (Mar 27, 2025); SSA Health IT page · 2025-03

   US Social Security spends over $500M a year to collect medical records (≈15M records requested a year)

   ssa.gov

Curain gives every patient a health agent they own.

1. 1

   Pack

   Live

   Upload anything — PDFs, photos, imaging reports — in Chinese, English or Japanese. AI builds a verified, bilingual record. Every line links to its source page.

2. 2

   Share

   Live

   One QR per audience: clinicians see clinical, coordinators see logistics, insurers see billing. Time-limited, passcode-protected, revocable in one tap. Every open is logged.

3. 3

   Answer

   Next · 2027

   Readers ask; the agent answers from the record with the source line, and asks the patient before going beyond scope.

4. 4

   Remember

   Live

   Doctors write back visit and voice notes in their own language. The record grows with every encounter.

Live today: patient app (pack.curain.ai) · clinician & institution app (read.curain.ai)

In 2026, health went agent-native. Borders didn’t.

1. 280× cheaper

   AI can read messy records — GPT-3.5-level inference fell 280×+ in under two years. Reading a 50-page record with two models now costs under $2.^{S14, S29}

2. 300M+ / week

   Every assistant wants your records — people ask ChatGPT health questions every week. ChatGPT, Claude, Copilot, Amazon and Google all linked medical records in 2026 — US records only.^{S15, S16}

3. 1B+ records

   Patients got rights and rails — exchanged on TEFCA, the US network, within a year; India linked 1B+ records behind revocable, time-bound consent; 700+ US organizations pledged to patient-first access.^{S18, S19, S17}

4. 2024–25

   Data borders hardened — China’s cross-border rules and the US DOJ Data Security Program make company-run data pipes a liability. Patient-directed, region-locked sharing is built for this.^{S21, S20}

Agents now call agents (MCP: 110M+ SDK downloads a month; A2A: 150+ backers). Personal agents are a category: Instinct raised $1B at a $10B valuation (Sep 2026).^{S22, S23}

Sources 11

1. S14

   Stanford HAI, AI Index Report 2025, ch. 1 · 2025-04

   GPT-3.5-level inference fell from $20 to $0.07 per million tokens (Nov 2022 → Oct 2024), more than 280×

   hai.stanford.edu (PDF)

2. S29

   Curain internal estimate (research note, Oct 2026) · 2026-10

   Model cost to ingest a 20–50 page record with a two-model (extract + verify) pipeline ≈ $0.05–1.75 at Oct 2026 API prices; human review ≤30 min; cost ≤$60 per journey at launch

   Internal estimate — validate with pilot data

3. S15

   OpenAI · 2026-07

   “Every week, more than 300 million people turn to ChatGPT with health-related questions”; Health rolling out to US adults (Jul 23, 2026); launched Jan 7, 2026 with US-only record integrations

   openai.comJan 2026 post (230M figure at that date)

4. S16

   Anthropic; Microsoft AI; Healthcare Brew; Google · 2026

   Record connections are US-only: Claude for Healthcare (Jan 11, 2026; US Pro/Max users via HealthEx and Function); Microsoft Copilot Health (Mar 12, 2026; records from 50,000+ US hospitals via HealthEx); Amazon One Medical Health AI (Jan 21, 2026; One Medical patients’ history); Google Health app (May 7, 2026; “In the US, you can sync your medical records”)

   anthropic.commicrosoft.aiblog.google

5. S18

   HHS via AHA News (Jun 26, 2026) · 2026-06

   TEFCA exchange grew from 10 million to more than 1 billion records in under a year

   aha.org

6. S19

   Press Information Bureau backgrounder (Jul 6, 2026) · 2026-07

   India: >1.04B linked health records; records accessed only with the patient’s revocable, time-bound consent

   pib.gov.in (PDF)

7. S17

   CMS press releases · 2026-04

   More than 700 organizations pledged support to the CMS Health Technology Ecosystem (first wave, Apr 9, 2026); 60+ companies pledged Jul 30, 2025

   cms.gov

8. S21

   Cyberspace Administration of China · 2024-03

   China CAC Provisions on Promoting and Regulating Cross-Border Data Flows, effective Mar 22, 2024 (sensitive PI <10,000 persons: standard contract/certification; ≥10,000: security assessment); PIPL separate consent

   cac.gov.cn

9. S20

   Federal Register; US DOJ · 2025-01

   US DOJ Data Security Program (28 CFR 202): final rule Jan 8, 2025, effective Apr 8, 2025; bulk threshold for health data >10,000 US persons; China (incl. Hong Kong and Macau) is a country of concern

   federalregister.gov

10. S22

    Agentic AI Foundation; Linux Foundation · 2026-04

    MCP: more than 110 million SDK downloads a month (Apr 2026); A2A: more than 150 supporting organizations (Apr 9, 2026)

    linuxfoundation.orgaaif.io

11. S23

    Reuters via The Star · 2026-09

    Instinct raised $1B at a $10B valuation (Sep 28, 2026)

    thestar.com.my

Start with 5M cross-border patient journeys a year. Grow into every request for health information.

Korea’s foreign patients grew 72% in 2025; China (619k) is now the #1 source. Access layers are valuable: Plaid ($8B, 2026 tender) for permissioned financial data; Datavant ($7B, 2021) for health-record logistics.^{S1, S24, S25}

Sources 9

1. S6

   SSA blog (Mar 27, 2025); SSA Health IT page · 2025-03

   US Social Security spends over $500M a year to collect medical records (≈15M records requested a year)

   ssa.gov

2. S7

   Black Book Research, 2026 State of ROI Technology (Oct 2025) · 2025-10

   Release-of-information technology spending reaches $2.3B in 2026

   Survey-firm estimate of technology spend only

   accessnewswire.com

3. T2

   Curain internal estimate built on S1–S3 · 2026-10

   SAM ≈$0.5B = ≈5M corridor journeys (4.6–5.4M) × blended $72–138: ~35% record-heavy journeys at $150–300 and ~65% light journeys (checkups, aesthetics) at $30–50 → $0.3–0.7B. The 35% assumption is informed by Korea, where ~63% of foreign patients were dermatology in 2025

   Assumption-based estimate

4. S1

   Korea JoongAng Daily, citing Ministry of Health and Welfare (Apr 2026) · 2026-04

   South Korea foreign patients: 2,011,822 in 2025 (China 618,973; Japan 600,009; US 173,363); 1,170,467 in 2024 (+72%)

   koreajoongangdaily.com

5. S2

   Malay Mail (Apr 19, 2026); MHTC press release; Bernama · 2026-04

   Malaysia healthcare travellers: ~1.84M in 2025 (RM3.34B); 1.6M in 2024 (RM2.72B, MHTC); Chinese travellers >120,000 in 2025

   2025 figure is press-reported

   malaymail.comMHTC primary release (2024)

6. S3

   Kasikorn Research; ISEAS Fulcrum (Feb 2025) · 2025-02

   Thailand ~3.07M foreign patient visits (2024, includes expats); true medical tourists estimated at 25–50% → ~0.8–1.5M

   fulcrum.sg

7. T4

   Curain internal target · 2026-10

   SOM 2030: 120k packs/yr (~2–3% of ≈5M corridor journeys) × ~$165 ≈ $20M + agent-query revenue ≈ $10M → ≈$30M

   Target

8. S24

   CNBC; Crunchbase News; Plaid docs · 2026-02

   Plaid: $13.4B valuation (2021); tender offer at $8B (Feb 2026); businesses pay per API call/connected account, consumers pay nothing

   news.crunchbase.com

9. S25

   Business Wire · 2021-06

   Datavant–Ciox Health merger valued at $7.0B (Jun 9, 2021)

   businesswire.com

Chatbots now read US records. Across borders, records still travel by email.

One country’s records → Records across borders

Top left, records across borders, shares files: Medical-travel agencies & translators

Saint Lucia Consulting (China), Bookimed, PlacidWay — manual, hold full records

Top right, records across borders, answers questions: Curain

Cross-border · multilingual · source-cited · patient-held · agent-native

Bottom left, one country’s records, shares files: Portals & PHRs

Epic MyChart Share Everywhere, Apple Health Records

Bottom right, one country’s records, answers questions: US assistants & data networks

ChatGPT Health (b.well), Claude & Copilot (HealthEx), Particle, Health Gorilla^S27

Why we win

• Reader network — Every reading institution can write back; each encounter speeds up the next.
• Built for data borders — Region-locked stacks (US · Singapore · China); data stays in-region by default, and patients decide what crosses a border.
• Multilingual accuracy — Chinese–English–Japanese term base and evals on real Asian clinical documents; every claim cites its page.
• Corridor access — Hospital partners in Hainan’s Boao Lecheng medical-tourism zone (9,300+ overseas patients in 2025); Malaysia and Japan channels.^S4

Why not ChatGPT? A chat helps one person read; hospitals and insurers need a verified, revocable record — and assistants will be among those who ask it.

Sources 2

1. S27

   b.well; HIT Consultant; Microsoft AI · 2026-01

   b.well powers record connectivity for ChatGPT Health; HealthEx connects records to Claude and Copilot (50,000+ provider organizations)

   icanbwell.com

2. S4

   People’s Daily (Xinhua), Jan 19, 2026; China News Service via Eastmoney · 2026-01

   Boao Lecheng pilot zone: 865,300 medical-tourism visits in 2025 (+109%); 9,300+ overseas patients from 14 countries and regions

   en.people.cn

Live today. Becoming an agent next.

Roadmap

1. Q1 2027Ask the pack — scoped Q&A for clinicians, answers with citations

2. Q2 2027Dynamic consent — out-of-scope questions become one-tap requests to the patient

3. H2 2027Agent API — MCP/A2A endpoint for insurer, trial and AI-assistant agents; requester pays

4. 2028Family memory and chronic-care follow-up; Korean, Thai and Malay packs

Institutions pay to read today. Requesters pay to ask tomorrow.

• Per patient journeypilot pricing

  $150–300

  Paid by hospital international offices and facilitators — small next to facilitators’ 10–30% commissions on treatment.^{S13, T1}

• Patient premiumpilot pricing

  $49–99+

  Take-home English pack, family plans, expert written opinions via partner hospitals (platform fee); top US centers charge $3,000–4,500 per remote second opinion.^{S11, T1}

• Per authorized query2027+

  per answer

  Insurers, trial sponsors, institutional and AI agents pay to ask. Insurers already pay ~$55 per consented digital record — worth ~$900 per policy on average.^S9

Go-to-market

1. Hospital international offices — the reader is the channel (near-zero CAC)
2. Medical-travel facilitators — per-journey fee
3. US diaspora — 26.8M Asian Americans; ~1 in 7 adults send money home for health costs (Pew, 2024)^S5
4. Insurers and trial sponsors — first query customers

Sources 7

1. S13

   Korea Biomedical Review (Feb 2017); IMTJ · 2017-02

   Medical-travel facilitators are paid 10–30% of treatment fees; Korea caps hospital-paid agency commissions at 30% (clinics), 20% (hospitals), 15% (large general hospitals)

   koreabiomed.com

2. T1

   Curain internal hypothesis — to be validated in pilots · 2026-10

   Pilot pricing hypotheses: $150–300 per patient journey (institution-paid; Report II); $49–99+ patient premium

   Target / hypothesis

3. S11

   Dana-Farber FAQ; Cleveland Clinic MyConsult page · 2026

   Dana-Farber online second opinion: $3,000; unable to process requests not in English. Cleveland Clinic virtual second opinion: $1,690 written report; $4,500 for patients outside the US

   dana-farber.orgmy.clevelandclinic.org

4. S9

   Munich Re US Life retro study (Dec 2024); Society of Actuaries Product Matters! (Nov 2023) · 2024-12

   Life insurers pay ~$55 per consented electronic health record; average net saving ~$916 per policy

   munichre.com

5. S29

   Curain internal estimate (research note, Oct 2026) · 2026-10

   Model cost to ingest a 20–50 page record with a two-model (extract + verify) pipeline ≈ $0.05–1.75 at Oct 2026 API prices; human review ≤30 min; cost ≤$60 per journey at launch

   Internal estimate — validate with pilot data

6. T3

   Curain internal target · 2026-10

   Unit economics targets: cost ≤$60 per journey at launch → ~$35 at scale; gross margin ~65% at a ~$170 blended price → ~80% at ~$175 with $35 cost

   Target

7. S5

   US Census Bureau (Apr 2026); Pew Research Center (May 2024) · 2024-05 / 2026-04

   26.8M Asian Americans (2024); in Pew’s 2022–23 survey (published 2024), 27% had sent money to their ancestral homeland in the past year, half of them for health expenses (≈1 in 7 adults, derived)

   pewresearch.org

The team we’re building: a cross-border operator, an AI health-data builder, a bilingual physician.

Seats are open — introductions welcome.

• Founder & CEO

  Cross-border operator

  Cross-border travel founder; hospital and medical-tourism network in China and Southeast Asia; shipped Curain’s first two apps.

• CTO · co-founder seat

  AI health-data builder Open seat

  Shipped production LLM and vision document pipelines; FHIR and SMART on FHIR; HIPAA and SOC 2 security.

• Chief Medical Officer

  Bilingual physician Open seat

  Chinese–English or Japanese–English; international patient care at an academic medical center; owns clinical safety.

• Head of Partnerships, APAC

  International patient network builder Open seat

  Built international patient programs across China, Korea, Malaysia or Japan.

• Trust & Compliance (fractional)

  Privacy counsel Open seat

  HIPAA, China’s PIPL and the DOJ Data Security Program; consent and cross-border data programs.

Lean plan: co-founder CTO + two engineers; CMO and counsel start fractional; part-time bilingual clinicians review packs.

Raising $1M to prove the reader network.

$1,000,000 pre-seed·post-money SAFE · terms on request

In five years, nobody sends medical records. Hospitals, insurers and AIs ask the patient’s agent — and the patient decides.

Sources 1

1. T5

   Curain internal plan · 2026-10

   Use of funds 45/25/20/10; 18-month milestones (20+ institutions, 10k+ packs, ≥80% open rate, ≤20% requests for more documents, $1M ARR run-rate, Agent API with 2 requester partners); revenue projection 2027 $0.4M · 2028 $1.5M · 2029 $9M · 2030 $30M; roadmap dates

   Plan / illustrative projection