May 18.
Austin, Texas.
Inside a sleek office at Celestial Insurance Group, insurance broker Diana Lewis sat across from William Shaw, a successful attorney considering a policy for his family.
She explained the details with a calm, professional tone.
"Mr. Shaw, Celestial Medical Insurance offers four key advantages over traditional health insurance.
First, our coverage is far more comprehensive. We include dental work, cosmetic procedures, weight loss treatments, and other services that standard insurance doesn't cover.
Second, our exclusive partnership with Celestial Medical Center ensures immediate access to medical care. There are no wait times for appointments, treatments, or prescriptions—you'll receive top-tier healthcare without delays.
Third, this policy saves you money. If you ever require a major procedure, which can cost hundreds of thousands or even millions, our insurance fully covers those expenses.
Fourth, we offer direct payment services. Unlike other providers, you don't need to pay out of pocket and wait for reimbursement—we settle the bill directly with the hospital."
William listened attentively, nodding in approval.
The premium was high, but the benefits were undeniable.
He leaned forward.
"Ms. Lewis, most insurance policies require a full medical exam before approval. They ask about outpatient history, past hospitalizations, chronic conditions, and even family medical history. Many insurers reject applicants with pre-existing conditions.
Does Celestial Insurance Group operate the same way?"
"Yes," Diana confirmed, "we conduct comprehensive assessments before issuing policies.
However, conditions like mild thyroid disorders, gallstones, minor heart murmurs, and fatty liver do not affect eligibility—applicants with these conditions can still be covered.
That said, we do not cover terminal illnesses such as Alzheimer's, ALS, late-stage cancer, or advanced heart failure.
However, if an insured person develops any of these conditions after purchasing the policy, we still provide full coverage.
In other words, Celestial Medical Insurance isn't just a health plan—it's a lifelong safety net."
William felt reassured.
He knew that insurance was not just about affordability—it was about protection.
Most providers classified serious conditions like cancer, heart disease, and strokes under separate critical illness plans—requiring additional, expensive coverage.
But Celestial Medical Insurance included everything in one plan.
There was no need for separate critical illness insurance—every major medical issue was covered.
He smiled.
"Ms. Lewis, I'd like to purchase policies for my entire family. Two policies for ages 40 to 44, four policies for ages 70 to 74, and one policy for ages 13 to 17. Could you calculate the total cost?"
Diana pulled out her calculator.
40 to 44 years old: $12,580 per year × 2 = $25,160
70 to 74 years old: $30,800 per year × 4 = $123,200
13 to 17 years old: $6,800 per year × 1 = $6,800
Total annual premium: $155,160.
William glanced at the number but didn't hesitate.
With an annual income in the millions, he didn't mind spending a fraction of it to secure the best possible medical care for his parents, in-laws, wife, and son.
It wasn't just an expense—it was peace of mind.
Diana smiled as she handed him the paperwork.
"Once we finalize the purchase, we'll schedule full medical evaluations for your family."
William nodded. "Let's do it."
Not long after, Celestial Medical Insurance became the top choice among high-net-worth individuals, reshaping the way the wealthy approached healthcare.
A man stepped into Diana Lewis's office at Celestial Insurance Group.
After a brief introduction, Diana looked at him with a professional yet warm demeanor.
"Mr. Daniels, are you looking to purchase a $7,800 Celestial Medical Insurance policy for your newborn daughter?"
"Yes," Ethan Daniels nodded without hesitation.
Diana wasn't surprised.
In recent weeks, an increasing number of families had been purchasing Celestial Medical Insurance.
For the wealthy, it was a necessity—every member of the family was insured.
For middle-class families, it was a collective effort—relatives would chip in to purchase a single policy for a loved one in need.
Every case was different.
Ethan hesitated before speaking again.
"Ms. Lewis, my daughter's condition is complicated. I'm not sure if she qualifies for coverage."
Diana smiled reassuringly. "Celestial Medical Insurance covers a wide range of conditions. Please, tell me more."
Dr. Ethan Carter, chairman of Celestial Insurance Group, had made it clear—the goal of the company was to provide as many patients as possible with access to Celestial Medical Center.
Unlike most high-end insurance providers, Celestial Medical Insurance had far fewer restrictions and exclusions.
Ethan took a deep breath, then spoke.
"My daughter was born prematurely at just one pound. The doctors called her a miracle baby—but she was born with multiple complications.
Her skin was dark purple, and her vital signs were dangerously weak.
Because of her low birth weight, her heart and lungs are underdeveloped.
Her left leg is twisted, and doctors suspect a congenital deformity.
She also suffers from neonatal colitis, a weak respiratory system, hypothyroidism, dangerously high bilirubin levels, and a cytomegalovirus infection.
I want to bring her to Celestial Medical Center.
I know this is a lot to ask… but I just want her to grow up healthy, like any other child."
As he spoke, his voice broke.
Tears welled in his eyes.
Diana listened carefully, her own heart aching as a mother.
She had worked in insurance for years.
Most high-end providers, upon hearing about pre-existing conditions, would either refuse coverage outright or demand astronomical premiums.
But Celestial Insurance Group was different.
She took a deep breath and said softly, "Mr. Daniels, all of your daughter's conditions are covered under Celestial Medical Insurance. You don't need to worry."
Ethan's eyes widened.
"You mean… she qualifies?"
Diana nodded. "Yes. Celestial Medical Insurance exists for families like yours."
Ethan Daniels nearly collapsed in relief.
"Thank you… thank you so much."
After finalizing the agreement, he left.
As Diana watched him walk away, she felt a wave of emotion.
Just earlier, William Shaw had purchased insurance for his entire family, ensuring they had access to the best medical care money could buy.
Now, Ethan Daniels had done the same—but out of pure, unconditional love for his daughter.
At that moment, Diana had only one thought in her heart.
May Celestial Medical Center bring healing to every family that walks through its doors.