Health is not everything, yet nothing matters without health. “When I was diagnosed with gastric cancer, the first thought crossing my mind was not fear of death, but the fear of becoming a burden to my whole family.” This heartfelt remark reflects the helplessness and heavy burden borne by countless families fighting cancer.

When illness strikes, exorbitant costs for specialty medicines often become the last straw that crushes a family. At FNY, we rely on exclusive health benefits to hold up an “umbrella of protection” for partners against risks.

In 2025, thanks to the FNY Cloud Good Doctor Worry-Free Health Benefit Card, one gastric cancer patient received a special care fund of RMB 12,441.6 to ease the financial burden of treatment. Another breast cancer patient obtained direct payment support totaling RMB 92,256 for targeted medicines and has completed the first course of treatment to date.

Behind these two warm claim settlements lies FNY’s sincere protection for every partner.

Case 1: Gastric Cancer Patient Faces Treatment Difficulties, Benefit Card Offers Timely Assistance

① Timeline

On June 1, 2025, the patient received endoscopic treatment for gastric space-occupying lesions. CT scans revealed thickening of the lower esophageal wall and gastric fundus wall. Pathological tests finally confirmed gastric adenocarcinoma with unresectable lesions. Based on the patient’s condition, doctors formulated a treatment plan centered on Sintilimab Injection, administered once every three weeks at a dosage of 20ml × 2 vials per session. Envafolimab was adopted subsequently according to treatment response. The patient’s family was thus confronted with both physical suffering and severe financial pressure.

② Claim Challenge

At this critical juncture, the patient recalled the Cloud Good Doctor Health Benefit Card obtained via FNY and immediately submitted an application for direct payment of special medicines. The FNY Cloud Good Doctor team launched the claim process without delay. However, an obstacle emerged: per the drug instructions, Envafolimab is only indicated for patients with advanced solid tumors featuring Microsatellite Instability-High (MSI-H) or Deficient Mismatch Repair (dMMR). The patient’s earlier genetic test result indicated Microsatellite Stable (MSS), which failed to meet the standard claim criteria.

③ Thoughtful Protection

Taking the patient’s hardship very seriously, the FNY Cloud Good Doctor team held multiple internal special meetings to discuss the details of the patient’s condition. Ultimately, arrangements were made for the patient to undergo a repeated genetic test at an authorized authoritative institution. After thorough investigation, the team identified the key cause of the discrepancy in previous test results. The special care fund of RMB 12,441.6 for Sintilimab treatment was successfully approved to alleviate the subsequent financial strain of treatment.

Case 2: Heavy Burden of Dual Targeted Therapy for Breast Cancer Patient, Substantial Cost Relief Supports Anti-Cancer Fight

① Timeline

On September 26, 2025, bilateral mammography categorized the patient’s condition as BIRADS Category 5 (highly suspected malignancy). A puncture biopsy conducted on September 27 confirmed Grade III invasive ductal carcinoma of the breast accompanied by axillary lymph node metastasis. Starting November 22, the patient received chemotherapy with albumin-bound paclitaxel and cisplatin, combined with dual targeted therapy of Trastuzumab (Hertuzumab) and Pertuzumab. Each treatment cycle lasts 21 days, with a total of 12 cycles required.

② Direct Payment for Special Medicines

Targeted therapy delivers remarkable efficacy yet comes with substantial expenses. When the patient’s family was at a loss, the FNY Cloud Good Doctor Worry-Free Health Benefit Card once again played a vital role. After the reported illness, the FNY Cloud Good Doctor team immediately initiated the claim process. Upon approval, the team coordinated Sinopharm Pharmacy to guarantee drug supply.

Treatment expenses in this case:

• Pertuzumab: 420mg per box at RMB 6,000 per box; 12 boxes required for 12 cycles, totaling RMB 72,000
• Hertuzumab (Trastuzumab): 150mg per box at RMB 1,688 per box; 12 boxes required for 12 cycles, totaling RMB 20,256

The direct payment service under the benefit card reduced the patient’s financial burden by RMB 92,256 in total. The patient has successfully finished the first course of treatment and gained greatly enhanced confidence in fighting the disease.

Two Core Service Highlights & Two Key Reminders

These two real cases fully prove that the FNY Cloud Good Doctor Worry-Free Health Benefit Card brings not only cost reductions, but also confidence and courage when confronting illness.

While you strive forward in your business journey, rest assured that solid health protection stands firmly behind you. The value of this protection is reflected in two core service highlights:

01 End-to-End Follow-up

From prescription review to medicine delivery, FNY Cloud Good Doctor provides one-stop service to save your trouble throughout the whole process.

02 Substantial Cost Relief

Targeted medicines usually carry high prices. The direct payment service covers most relevant expenses to effectively ease financial pressure.

Meanwhile, to ensure accurate and efficient protection, we have prepared two key reminders for partners submitting claims:

1. Special medicine claims must strictly match approved indications, and genetic testing serves as vital supporting evidence. Some medicines involve disputes over off-label use; please communicate fully with your attending doctor and FNY Cloud Good Doctor customer service in advance.
2. Pay attention to indication restrictions: certain special medicines require supporting genetic test reports or pathological findings. Confirm all requirements with your doctor and FNY Cloud Good Doctor customer service before treatment to avoid delays in claim processing.

Every claim settlement carries the expectation of a family; every successful protection embodies FNY’s solemn commitment. Integrating high-quality resources and delivering tangible care is the original intention behind the launch of the FNY Cloud Good Doctor Worry-Free Health Benefit Card.

On your journey to pursue dreams, FNY aspires to be your most reliable backing. Let us safeguard health hand in hand and stride toward a promising future together!