- What is Wellness Benefit?
- How it is useful?
- How it works?
Take Charge Of Your Well-Being With the Health Insurance Plan
We all want to keep ourselves healthy and go to the gym. But that busy Monday never falls into place. Am I right? What if I tell you that your health insurance plan can be your wellness partner? Yes, you heard it right, now health insurance plans are designed to provide financial protection as well as comprehensive health benefits. You can consider this article to follow the steps to redeem these rewards.
Read the article till the end to know how. But before that have a look at the plans that offer some of the most popular and exclusive wellness programs.
Health Insurance Plans that Offer Wellness Programs
| Plan Name | Included Benefits |
| Niva Bupa Aspire Gold+ | Health checkup Vaccination OPD |
| Star Assure | Health checkup Cashless facility |
| Star Women Care | Health checkup Cashless facility Vaccination OPD |
| Aditya Birla Activ Assure Diamond | Health Return upto 30% Get access to a health coach Annual health checkup |
What are the Wellness Programs in Health Insurance?
Health insurance wellness programs are the initiatives that companies take to encourage healthy lifestyles by giving preventive care coverage, rewards, discounts and much more. This program benefits both the policyholder and the insurer by promoting a healthy lifestyle and potentially reducing future healthcare costs.
How Does Wellness Benefit Work?
As per the guidelines launched by IRDAI in 2020, health insurance companies should include wellness benefits in their health insurance plans to promote fitness. This is how it will work for you:
- You buy a health insurance plan with a wellness program.
- Sync your device that can track your fitness activities.
- Get the health check-up done on time.
- Redeem the points collected at the time of renewal of your policy.
- Enjoy exclusive rewards and discounts for points collection!
How does it help?
Ideally, a health and wellness program is beneficial for both the parties - the policyholder and the insurance provider. Let me explain to you one by one.
-
For Policyholder
You can get a discount on the premium and overall, you can stay healthy, and the requirement to go to the hospital decreases. -
For Insurance Providers
Resultantly, there are lower health care costs and fewer claims being filed.
Reasons to Buy Health Insurance with Wellness Programs
Wellness programs provide you with a lot of benefits. Here are some of them given below:
-
Lower policy premium at the time of renewal
The simple rule says that if you stay healthy, your premium during the renewal will be low. Also, by using the redeemed points, you can reduce your premium amount. Though, the numbers will be decided by your insurer. -
Second medical opinion
After a diagnosis of any severe disease, we seek a second medical opinion, just for confirmation or better results. If you do not have health insurance, this might cost you double the amount. Under the wellness program, a second medical opinion is covered under many popular health insurance plans. -
Personal wellness coach
Maintaining a healthy diet and following a routine is good for overall health and well-being. But, sometimes we need guidance and motivation to follow this routine. The wellness program in health insurance can be your personal wellness coach, who will guide you to the right meals and activities to stay healthy. -
Mental wellness
Some wellness programs also include counselling sessions with experts. This way you can manage your mental health too. -
Fitness clubs and yoga membership
In case you want to join any fitness club or gym classes, under this wellness program, you can do so and get attractive discounts on membership costs. -
Improved health outcome
With the wellness benefit program, you can achieve better health outcomes. You know very well why - by staying healthy and exercising daily, you can maintain your health and be fit for years to come.
Bottom Line
Getting health insurance with wellness benefits is a win-win solution for everyone involved, be it the policyholder or the insurance company. With these advantages, you can stay motivated on your path to a healthier lifestyle, and reduce future healthcare costs.
So, do not wait any longer! Explore the health insurance plans at PolicyX.com and find one that will include a comprehensive wellness program to take charge of your health and well-being.
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Wellness Benefit in Health Insurance: FAQs
1. Do all health insurance plans offer wellness programs?
No, not all health insurance plans come with wellness programs. However, as per the IRDAI, now every plan has to include wellness benefit programs in their health insurance products.
2. What are the types of rewards I can earn through a wellness program?
Some of the rewards offered are discounts on premiums, free health check-ups, gym membership, healthy food discounts, and mental care consultations. However, every company offers different kinds of wellness programs. You can check them while buying the policy.
3. How do you track activities for the wellness program?
You can download the app for the respective company and track your activities there. Also, you can sync it with your own fitness tracker with their app to get the details.
4. Is there any doctor involved in the wellness program?
Though not all wellness programmes include a doctor, you can access a doctor or health care professional for consultation.
5. I have pre-existing health conditions. Can I still get benefits from a wellness program?
Yes, many wellness programs offer tailored benefits to manage chronic conditions. With these benefits, you can connect with the wellness coach and get personalised coaching.
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Written By: Simran Saxena
An explorer and a curious person, Simran has worked in the field of insurance for more than 3 years. Travelling and writing are her only passion and hobby. Her main agenda is to transform insurance information into a piece that is easy to understand and seamlessly solves the reader’s query.
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