Aditya Mandloi, Head of Wealth and Retail Banking, India and South Asia, Standard Chartered, joins Krishnan Ramachandran, Managing Director and Chief Executive Officer, Niva Bupa, and Todd Stiefler, Vice President Enterprise, WHOOP, to outline the integrated affluent proposition
12 February 2026, India: The intersection between financial security and personal wellbeing is becoming increasingly central to affluent banking strategies, as Standard Chartered introduces a health and wellness proposition for its affluent clients in India.
The offering has been developed in collaboration with Niva Bupa and WHOOP, combining insurance protection and wearable-driven health monitoring with wealth management services. The initiative aims to extend the bank’s affluent proposition beyond traditional financial planning by incorporating preventive healthcare access and wellness tracking tools.
Under the partnership, Niva Bupa provides its newly launched ReAssure 3.0 plan featuring unlimited health cover, global health coverage up to ₹5 crore, and a virtual concierge service exclusively for Standard Chartered clients. The concierge supports claims processing, renewals, and policy servicing. WHOOP contributes wearable devices that provide data-driven insights across sleep, recovery, cardiovascular indicators, and overall wellness metrics, alongside personalised coaching.
Aditya Mandloi, Head of Wealth and Retail Banking, India and South Asia, Standard Chartered, said prosperity extends beyond financial capital to include personal health and wellbeing. He stated that the collaboration seeks to bridge the gap between financial planning and proactive health management by integrating protection and technology within the affluent banking ecosystem.
Krishnan Ramachandran, Managing Director and Chief Executive Officer, Niva Bupa, said the partnership builds on a decade-long association and introduces unlimited coverage and global protection features tailored for Standard Chartered clients. He noted that rising healthcare costs require solutions that integrate protection with convenience.
Todd Stiefler, Vice President Enterprise, WHOOP, said the collaboration reflects a shared approach toward embedding proactive health management into everyday life through science-backed insights and personalised performance tracking.
The proposition reflects a broader shift in wealth management models, where financial institutions increasingly align capital preservation strategies with health resilience and lifestyle stability for long-term client engagement.
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