EP3 – Elite Protection & Privileges Program
A boardroom-ready executive membership program that recognizes leadership achievements with premium protection, concierge-grade wellness support, and optional high-value protection suites—built for CXO/VP/Directors.
No guaranteed returns • No medical promises • Assistance-only concierge • Subject to policy terms & partner T&C.
Why EP3 exists
EP3 is designed for organizations that want premium executive welfare and leadership continuity—without gimmicks. It combines a disciplined spend model with an elite membership experience.
EP3 is a governance-led framework. Any tax/accounting treatment is discussed at a high level only and is subject to facts, applicable law, and auditor view.
Program architecture — 4 pillars
EP3 is built as an elite membership experience with structured insurance layers and premium services—kept clean through governance, caps, and disclosures.
Clean separation by design
- Insurance is documented in policy wording (separate contracts).
- Concierge is a membership service: assistance/coordination only.
- Wealth facilitation is suitability-first via regulated partners with consent.
No guaranteed returns. No medical guarantees. Disclosures are non-negotiable.
The 3C wallet model (CFO-friendly)
EP3 uses a company-funded annual wellness wallet per eligible member—capped, controllable, and auditable—while still delivering a premium, flexible member experience.
How it works
- Annual wallet allocation per eligible CXO/VP/Director (value set by the employer).
- Approved categories (defined upfront): preventive checks, teleconsults, therapy sessions, diagnostics, concierge coordination fees (if any), etc.
- Caps by category maintain fairness and predictability.
- Over-cap usage routes to member-paid top-up or approval-based company add-on.
Concierge services are assistance/facilitation/coordination only. No clinical promises or outcomes are implied.
Reporting (measurable SLAs)
- Usage analytics (category-wise wallet utilization)
- Response time SLA tracking
- Escalation count and resolution time
- Member satisfaction (pulse surveys)
Benefit tiers
A premium, tiered structure to keep experiences elite and costs controlled.
Tier 1 — CORE (Included)
- Annual health check-up (defined package)
- Teleconsultation (capped)
- OPD appointment booking support
- Medicine partner benefits (as per T&C)
- Hospitalization desk: cashless navigation guidance
- Dedicated escalation channel during hospitalization
- Post-discharge checklist guidance
- Therapy/psych consult sessions (capped, confidential)
- Dedicated elite concierge channel
Tier 2 — PLUS (Wallet-enabled)
- Diagnostics packages/discounts (where available)
- Second medical opinion coordination (major procedures)
- Chronic condition navigation support
- Physiotherapy sessions (capped)
- Home sample collection coordination
Services are assistance/coordination; any medical coverage depends on selected policy terms (if any).
Tier 3 — PREMIUM (Invite-only)
- Air ambulance booking coordination support + partner routing
- Enhanced admission coordination support (no guarantee)
- ICU/home-care nurse coordination via verified vendors
- International teleconsultation (capped)
Micro-disclaimer: No guarantees on admission, doctor availability, or medical outcomes. EP3 provides assistance/facilitation/coordination only.
Protection add-on suites (optional)
A complete premium protection approach for elite lifestyles—structured as separate policies with separate premiums, disclosures, and underwriting.
Suite E1 — HNI Home & Valuables Shield
- Premium home structure + contents protection
- Valuables scheduling where available (jewellery, fine art, collectibles)
- Documentation/valuation-led approach for clarity
Coverage, sublimits, valuation requirements and exclusions vary by policy wording.
Suite E2 — Global Health Shield
- High sum insured health structuring (India base)
- Optional international features where available
- EP3 claims navigation and documentation assistance
- Worldwide Personal Accident Cover
International scope depends on plan variant, geography, exclusions and policy terms.
Suite E3 — Senior Care Plus
- Senior citizen health selection support for parents
- Pre-policy coordination where applicable
- Hospitalization navigation support via EP3 desk
Waiting periods, PED rules, co-pay, room limits and sublimits apply as per policy.
Suite E4 — Travel Assurance
- Business + leisure travel insurance evaluation
- Trip disruption and overseas medical protections as per policy
- Emergency routing support via partner T&C
Travel benefits depend on destination, age, trip duration, and policy terms. No guarantee is implied.
Suite E5 — High-Value Health Top-Up
- Super top-up design (threshold-based layering)
- Integration guidance with employer health plan where applicable
- Claims navigation support (assistance only)
Deductibles, waiting periods, and claim structures apply as per policy terms.
Suite E6 — Directors & Officers Liability (incl. EPLI)
- Personal liability protection for Directors, Officers & key management
- Employment Practices Liability (EPLI) coverage for workplace-related claims
- Defense costs and legal expense support as per policy structure
Coverage scope, limits, exclusions and retroactive dates vary by insurer and policy wording.
Suite E7 — Premium Motor Insurance (HNI Segment)
- Comprehensive coverage for luxury & high-value vehicles
- Zero depreciation, engine protect & consumables add-ons where available
- Preferred repair networks and cashless claims facilitation
Add-ons, IDV, depreciation rules and claim settlement terms apply as per policy conditions.
Micro-disclaimer: Protection suites are optional and are not bundled as freebies. Each policy is separate with separate proposal forms, disclosures, and terms.
Wealth planning layer (compliant)
"RiskBirbal will design a goal-based financial plan and facilitate execution through regulated mutual fund/banking partners, based on suitability and member consent. Returns are not assured; market-linked outcomes; product terms apply."
Deliverables for elite members
- Goal mapping (retirement, child education, property, liquidity, legacy)
- Risk profiling & asset allocation (documented suitability)
- Execution via partners (SIP/lumpsum options)
- Quarterly review + rebalancing triggers
- Protection review (term adequacy, nominations)
- Nominee hygiene + document vault checklist
Micro-disclaimer: No assured returns. Market risks apply. Product terms apply.
Why the company benefits
- Premium retention lever for senior talent
- Leadership stability and continuity
- Reduced financial stress → productivity impact
- Employer branding for senior hiring
Eligibility & governance checklist
Board-ready governance to keep EP3 clean, defensible, and premium.
Governance checklist (7 items)
- Designation-based eligibility policy approved by HR/Board
- Invite-only exceptions documented (if any)
- Member consent and full disclosures captured
- Transparent ownership & beneficiary governance (who pays/benefits)
- Illustration understanding confirmation (no mis-selling)
- Wallet caps + category caps documented in the rulebook
- Data privacy & consent SOP (mental wellness confidentiality)
Compliance assurance
- No guaranteed returns; market-linked outcomes where applicable
- Suitability-first with documented profiling and consent
- Clear separation: insurance ≠ investments ≠ concierge services
- Eligibility is HR/Board-approved; documentation maintained
- Tax/accounting is high-level only; subject to facts, law, auditor view
- Concierge is assistance/coordination; not medical guarantee
- Air ambulance: coordination only; cost covered only if separately insured/funded
- Partner benefits (RSA/vendors/discounts) as per partner T&C
- Privacy & consent SOP (especially mental wellness)
How we engage & implement
A premium rollout designed for speed, clarity, and confidentiality.
4-step engagement
- Discovery + eligibility confirmation (HR + leadership list)
- Governance pack finalization (wallet rulebook + suites + disclosures)
- Partner onboarding + concierge readiness (SLA setup)
- Launch + onboarding (member kit + reporting kickoff)
Implementation (2–3 weeks)
Week 1
Approvals, eligibility, wallet rules, cover route selection, privacy SOP.
Week 2
Partner onboarding, packages, concierge SLA, onboarding kit, suite checklists.
Week 3
Launch, onboarding sessions, monthly reporting start (usage + SLA + satisfaction).
Concierge is assistance/coordination only; medical and insurance outcomes depend on policy terms and underwriting.
What we will not do
A premium program must be ethically clean and compliance-safe.
- No tax gimmick pitches
- No forced ULIP pushing
- No guaranteed returns
- No medical guarantees
- No hidden fees; transparent disclosures
- No bundling insurance as "freebies"
We prioritize suitability, clarity, and dignity—every time.
Frequently asked questions
Crisp answers, compliance-safe language, and clear scope.
EP3 is a board-governed executive membership framework combining company continuity protection, elite family life protection, wallet-capped concierge wellness support, and optional protection suites—delivered with transparent disclosures and measurable service SLAs.
No. EP3 is positioned as executive welfare and leadership continuity. Tax/accounting discussion is high-level only and depends on facts, applicable law, and auditor view.
No. Wealth planning facilitation is suitability-first and may be executed via regulated mutual fund/banking partners with member consent. Returns are not assured and are market-linked; product terms apply.
No. EP3 provides assistance, facilitation, and coordination support only. It does not guarantee admission, doctor availability, or clinical outcomes.
EP3 includes OPD appointment support and navigation as concierge services. Insurance OPD coverage depends on the selected health policy terms (if any).
Yes, where the selected insurance policy and corporate benefit design allow it. Senior Care Plus can be evaluated for parents, subject to underwriting, waiting periods, and policy terms.
Once wallet limits are reached, additional usage can be member-funded as a top-up or company-funded as an approval-based add-on, as per the program rulebook.
EP3 provides air-ambulance booking coordination support only. Cost coverage applies only if separately funded or insured under a relevant policy; no guarantee is implied.
Home & Valuables Shield can be structured to cover high-value contents such as jewellery and fine art where the insurer offers it, typically with valuation, documentation, sublimits, and exclusions as per policy wording and underwriting.
Global Health Shield is evaluated as a high sum insured health solution with optional international features where available. Coverage, geographies, exclusions, and eligibility depend on the chosen plan and policy terms; EP3 provides coordination support.
No. Travel Assurance benefits depend on destination, trip duration, age, and policy terms. EP3 provides coordination support; benefits and claim outcomes are subject to the travel policy wording and underwriting.
EP3 requires privacy-by-design processes, consent-based handling, and strict confidentiality protocols for mental wellness. Access is role-restricted and shared only on a need-to-know basis as per approved SOP.
Request EP3 proposal pack
We'll share a board-ready EP3 proposal with program architecture, wallet model, optional suites, compliance guardrails, and implementation plan—within 1 business day.
Request a call back
Our advisor will connect within 1 business day.
Data privacy note: EP3 follows consent-based handling and confidentiality protocols, especially for sensitive wellness and mental health interactions.
What you'll receive
- EP3 architecture (4 pillars + optional suites)
- Wallet model rulebook (caps, categories, reporting)
- Governance pack (eligibility, disclosures, SOP)
- Implementation plan (2–3 weeks)