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To encourage healthy lifestyles, health insurers are allowing up to 100% discount on renewals

March 3, 2021

In order to motivate policyholders to adopt healthy lifestyles, private health insurers are granting discounts on renewed policies upto 80-100% along with additional rewards and benefits.

According to a report by the Press Trust of India, most health insurers provide a no-claim bonus for claim-free years usually in the range of 25-50%.

For example, Aditya Birla Health Insurance is offering up to 100% return of the premium if the customer has accrued a sufficient number of ‘Activ Dayz’ (one Activ Day means walking 10,000 steps a day, or any fitness activity specified by the insurer). The insurer will monitor the active lives of its customers through its Activ Health app.

Last month, Future Generali India Insurance launched a health super saver policy offering a flat 80% discount on the premium, provided there was no claim in the first and the second year of purchasing the policy.

Previously also IRDAI has said that insurers can provide wellness benefits to existing as well as new policyholders. It is mandatory to disclose all information about the product, any additional charges to obtain the benefits, a method to earn and redeem points as a part of the wellness plan, etc.

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