Health Insurance 472 views July 27, 2021

Health Insurance Companies not only offer financial protection to individuals when faced with a medical emergency but also reward them for maintaining a healthy lifestyle with their wellness benefits. These benefits help you keep track of your health status, maintain a proper routine, etc. Let’s read further to know how these benefits ensure a pleasant health insurance experience for you.

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Health Insurance Wellness Benefits

The following are some of the common wellness benefits available under health insurance plans:

Reward Points

You’ll earn reward points on your insurance plan for maintaining good health during the policy year. And later, you can utilize them to get discounts or concessions on premium payments, medical check-ups, pharmacy bills, etc.

With this wellness benefit, the insurer incentivizes healthy behavior and promotes a healthy lifestyle. So, to earn reward points on your policy, you’ll need to keep intact your fitness activities like gym, marathon, cyclotron, yoga centers, daily workout training, etc.

Wellness Coach  

Insurance companies also provide a wellness coach/mentor under the wellness program who will guide you regarding the diet, exercise, etc. based on your health status. The wellness coach associated with the insurers offers extended support to help you achieve your health goal. On achieving the target, you will get reward points or other benefits based on your policy.

Which Health Insurance Plans Provide Wellness Benefits?

Check out the below-mentioned health insurance plans that provide you wellness benefits.

HDFC ERGO Health Energy

HDFC ERGO Health Energy Plan provides you wellness benefits each policy year. The wellness benefit include free health check-ups –

Wellness Test 1: HbA1c, Blood Pressure Monitoring, BMI

Wellness Test 2: HbA1c, FBS, Total Cholesterol, Creatinine, high-density lipoprotein (HDL), Low-Density Lipoprotein (LDL), Triglycerides (TG), Total Protein, Serum Albumin, GammaGlutamyltransferase (GGT), Serum Glutamic Oxaloacetic Transaminase (SGOT), Serum Glutamic Pyruvic Transaminase (SGPT), Bilirubin, Total Cholesterol: HDL Cholesterol, ECG, Blood Pressure Monitoring, BMI, Doctor Consultation.

Note – If you opt for the Gold Plan variant, you’ll get a cashless facility for wellness tests at the network centers. Whereas, if the check-up is done at the non-network centers, the insurer will reimburse up to INR 2,000 at the end of the policy year.

Young Star Health Insurance Plan

Under this policy, you will get the benefit of the Star Wellness Program where you will get a discount on premiums if you live a healthy lifestyle through various wellness activities. The discounts are based on your earned wellness points.

Wellness Points EarnedDiscounts on Premiums
200 to 3502%
351 to 6005%
601 to 7507%
751 to 100010%

Aditya Birla Activ Health Platinum Enhanced

The following wellness benefits are available under this plan:

Chronic Management Program

Activ Health’s Chronic Management Program (CMP) provides financial protection to those who are suffering from Diabetes, Asthma, High Cholesterol, High Blood Pressure and other such conditions. This cover starts from day one. If unfortunately, you develop a chronic condition after buying the policy, you will be upgraded to the program without any additional premium. Under this, the insurer covers the expenses of tests, consultation, medicines and hospitalization.


You can earn HealthReturns™ under the Aditya Birla Activ Health Platinum Enhanced Plan if you follow the steps shown below –

  1. Download the Activ Health App on your Android or IOS smartphone
  2. Check out your Healthy Heart Score
  3. And if it is at low risk or high risk currently, improve your health
  4. The app will give you a fitness assessment test every six months

If you live a healthy lifestyle, you could earn

  1. Up to 30% of your premium as HealthReturns™ on completing 13 Active Dayz™ every month.
  2. Up to 6% of your premium as HealthReturns™ on completing 4 Active Dayz™ every month.

You can utilize the HealthReturns™ to buy medicines, do payment for diagnostic tests, pay policy premiums or save it like a fund for any health contingency.

Wellness Coach

A wellness coach is provided to you to help you make healthy choices.

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