Company: APM
Filing Date: 2025-11-17
Form Type: F-1
Source: 0001213900-25-111548
Chunk: 303

Company: Aptorum Group Ltd
Filing Date: 2025-11-17
Form: F-1
Chunk 303
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 Meet necessary regulatory requirements. |

186 Payment and reimbursement The principal groups that DiamiR expects to pay for its molecular testing services include:

| ● | Biopharmaceutical companies conducting clinical trials; |

| ● | Clinical centers, including memory, brain health and geriatric            
 centers that will pay negotiated rates for their clinicians’ test orders; |

| ● | Commercial third-party payors, based on existing or novel 
 Current Procedural Terminology (CPT) and/or PLA codes;    |

| ● | Government and private payors, with whom DiamiR plans to initiate     
 a dialog and to submit relevant applications as soon as feasible; and |

| ● | Patients and at-risk individuals who pay co-payments, deductibles              
 and other amounts that DiamiR is unable to collect from their health insurers. |

After this offering, DiamiR plans to expand its team with reimbursement and regulatory experts, and DiamiR will work diligently towards securing reimbursement based on current regulations. DiamiR plans on creating a clinical dossier compromised of peer-review publications on the following 4 key areas:

| 1. | Analytical Validation — The assay correctly          
 and reproducibly tests for specific analytes/targets |

| 2. | Clinical Validation — The assay’s target 
 analytes rule-in or rule-out a disease   |

| 3. | Clinical utility — The test results in changes 
 with physician behavior or patient treatment   |

| 4. | Cost-effectiveness and economic health benefits — The                                                                   
 test saves the healthcare system money, either by reducing unnecessary treatment, improving outcomes or other measures. |

A robust clinical dossier is a critical tool for successful reimbursement discussions with payors. DiamiR’s management team has experience with, and understands the process, and will focus its efforts to gain insurance coverage in a timely manner. Accurate early diagnostics of AD will improve effectiveness of future cost of care for AD. The current cost of care for AD and AD related issues is estimated to be around $345B annually and is expected to reach $1Trillion by 2050.

| * | https://www.alz.org/media/Documents/alzheimers-facts-and-figures.pdf |

187 Strategies and products designed for early identification of AD are key to reducing the financial burden of AD to payors, caregivers, and families of those impacted by this disease. Thus, the use of CogniMIR ®and DiamiR’s other future tests align with payors’ goals to improve the affordability and efficacy