Health Insurance
Health Insurance
Wealthy offers health insurance from 5 insurers with 19+ plans, covering individuals, families, and senior citizens. Customers can compare plans side-by-side and purchase online.
Quote Generation Flow
The health insurance quote journey has three steps:
Step 1: Browse Available Plans
The customer sees all available health insurance plans with:
- Insurer name and logo
- Plan name (e.g., Care Supreme, Reassure 3.0 Elite)
- Claim settlement ratio of the insurer
Plans are filtered based on runtime configuration — insurers/plans can be enabled or disabled without any code changes.
Step 2: View Product Details
Before getting quotes, the customer can explore detailed product information for each plan:
- Highlights — Key selling points (e.g., “Unlimited Sum Insured Recharge”, “AYUSH Treatment Coverage”)
- Features — Detailed feature list (cashless hospitals, claim support, cumulative bonus)
- Quick Comparison — Feature checklist (day care, e-consultation, hospitalization at home, health checkup)
- Exclusions — What’s NOT covered (obesity treatment, self-inflicted injuries, substance abuse treatment)
- Why Choose This Plan — Differentiators
Step 3: Get Premium Quotes
The customer provides their details and gets real-time premium quotes:
Input Required:
- Policy type — Individual or Family Floater
- Family members — Who to cover (self, spouse, children, parents, in-laws)
- Age & gender of each member
- Sum insured preference — Desired coverage amount
- Policy term — 1 to 5 years
- Pincode — For location-based pricing
- Pre-existing diseases — Heart, Diabetes, Others, or None
Two modes of quote generation:
-
Compare All Plans — Fetches premium quotes from ALL active insurers simultaneously. Used for the comparison view where the customer sees all available options.
-
Detailed Single Plan Quote — When the customer selects a specific plan, fetches a detailed quote WITH available riders/add-ons for that plan.
Available Plans
ManipalCigna Health (7 Plans)
Sarvah Series:
- Sarvah Param — Comprehensive coverage
- Sarvah Uttam — Enhanced coverage
ProHealth Series:
- ProHealth Protect — Standard protection plan
- ProHealth Advantage — Mid-tier plan with added benefits
- ProHealth Active — Wellness-focused plan
Lifetime Series:
- Lifetime India — Long-term coverage for India
- Lifetime Global — International coverage
Care Health (3 Plans)
- Care Supreme — Flagship plan with unlimited sum insured recharge, AYUSH treatment, organ donor cover, domiciliary hospitalisation. 24,800+ cashless hospitals.
- Riders: Air Ambulance, Wellness Benefit, Cumulative Bonus Super, Unlimited Care, Claim Shield, Care OPD, and more
- Care Senior Super — Designed for senior citizens
- Care Senior Premium — Premium senior citizen plan
Niva Bupa Health (7 Plans)
Reassure (Legacy):
- Reassure Bronze — Entry-level plan
- Reassure Platinum — Mid-tier plan
- Reassure Titanium — Top-tier plan
Reassure 3.0 (Latest):
- Reassure 3.0 Select — Entry-level
- Reassure 3.0 Classic — Standard
- Reassure 3.0 Black — Premium
- Reassure 3.0 Elite — Top-tier
HDFC Ergo Health (1 Plan)
- Optima Secure — Comprehensive health plan from HDFC Ergo
ICICI Lombard Health (1 Plan)
- Elevate — ICICI Lombard’s health insurance plan
Policy Types
| Type | Description | Use Case |
|---|---|---|
| Individual | Separate policy for each member | When covering a single person |
| Family Floater | Single policy covering the entire family | When covering multiple family members under one sum insured |
Covered Family Members
| Member | Age Range | Notes |
|---|---|---|
| Self | 18–100 years | Primary insured |
| Spouse | 18–100 years | |
| Children | 0–25 years | Multiple children can be added |
| Father | 40–100 years | |
| Mother | 40–100 years | |
| Father-in-law | 40–100 years | |
| Mother-in-law | 40–100 years |
Pre-Existing Disease Handling
Customers declare pre-existing conditions during quote generation:
- Heart conditions
- Diabetes
- Others
- None
This affects premium calculation and may trigger additional waiting periods depending on the insurer’s policy.
Riders & Add-ons (Plan-Specific)
Riders are optional add-on benefits available on specific plans. Common riders include:
| Rider | Description |
|---|---|
| Air Ambulance | Covers medical expenses for air ambulance services |
| Wellness Benefit | Up to 30% discount on renewal premiums for maintaining healthy lifestyle |
| Cumulative Bonus | Sum insured increases up to 500% over 5 claim-free years |
| Unlimited Care | Full coverage with no limit on any single claim |
| Claim Shield | Covers items used during hospitalization not normally covered |
| OPD Cover | Coverage for outpatient consultations and tests |
| Instant Cover | Waives pre-existing disease waiting period for diabetes, hypertension, asthma |
| Annual Health Check-up | Free preventive health check-up every year |
| Be-Fit Benefit | Unlimited visits to fitness centres for members above 12 years |
Rider availability and premium impact varies by insurer and plan. Riders are shown after selecting a specific plan in the detailed quote view.
Plan Comparison
Customers can compare multiple plans side-by-side on:
- Premium amount
- Sum insured options
- Key features coverage (day care, e-consultation, hospitalization at home, health checkup)
- Claim settlement ratio
- Available riders
- Exclusions
Pincode-Based Pricing
Some insurers factor in the customer’s location for premium calculation. The platform supports pincode lookup to determine city and state, which feeds into the quote generation for location-sensitive plans.