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/Wellness Discount
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Pick a coverage concern and see its exact policy terms, compared side-by-side across top Indian health insurance plans.
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What is Wellness Discount in health insurance?
Rewards you with a discount on your premium or an increase in your cover if you achieve health goals - like daily step targets, completing your annual check-up, or maintaining a healthy weight. Active users can save 5-15% on their annual premium.
Every plan, ranked11 · 5 strong · 4 standard · 2 not covered
Star HealthStrongFamily Health OptimaUp to 20% off renewal premium
Strong
Wellness activity turns into money off your renewal premium: 200 points earns 4% and 751 points or more earns 20%. Points come from enrolling, a health risk assessment, self-funded preventive tests, gym membership, step counts and submitted check-up reports.
Coverage detailstap any row to understand it
Wellness discountUp to 20% off renewal premium
Discount TypeBoth
Maximum Discount for Floater with 2+ Adults (%)20%
Medical Voucher Alternative to Premium DiscountNo
Steps Not Counted in Last N Months of Policy Year1 month
Watch out
Points cannot be taken as cash, and every report has to be submitted within one month of the test.
ICICI LombardStrongElevateUp to 30% off renewal premium
Strong
Elevate's wellness program is part of the base policy. You earn points for a health check-up, a risk questionnaire, daily steps etc. Cross 9,000 points in a one-year policy and the discount reaches 30% on an individual policy.
Coverage detailstap any row to understand it
Wellness discountUp to 30% off renewal premium
Discount TypeActivity Based
Maximum Discount for Floater with 2+ Adults (%)30%
Medical Voucher Alternative to Premium DiscountNo
Steps Not Counted in Last N Months of Policy Year3 months
Watch out
Only two adults can earn points on a family floater. Steps count only in months where you hit the target on at least 20 days, and steps taken in the last 90 days before renewal move to the next year instead. Points are redeemed at renewal and cannot be taken as cash.
Aditya BirlaStrongActiv One · VYTLUp to 100% off renewal premium
Strong
HealthReturns pays you back a share of your premium for staying active, on every plan. You complete a health assessment, then earn Active Dayz - 10,000 steps in a day, or a 30-minute gym or yoga session - and the reward builds up month by month, up to 100% of the premium. You can spend it on medical bills or let it pay your renewal premium.
Coverage detailstap any row to understand it
Wellness discountUp to 100% off renewal premium
Discount TypeActivity Based
Medical Voucher Alternative to Premium DiscountYes
Watch out
Reaching the full 100% takes a green Healthy Heart Score plus 325 Active Dayz in the year; the monthly grid on its own tops out at 30% of your monthly premium. Insured children up to 25 years of age cannot earn HealthReturns, and on a floater the premium is split between the adults for this calculation.
Care HealthStrongCare SupremeUp to 30% off renewal premium
Strong
If you opt for the Wellness Benefit, walking earns you a discount on your renewal premium. One healthy day means recording 10,000 steps or more in a single day, and the discount runs from 10% at 120 healthy days up to 30% at 270. Below 120 healthy days there is no discount. Only insured members aged 18 and above can earn it.
Coverage detailstap any row to understand it
Wellness discountUp to 30% off renewal premium
Discount TypeActivity Based
Maximum Discount for Floater with 2+ Adults (%)30%
Medical Voucher Alternative to Premium DiscountYes
Steps Not Counted in Last N Months of Policy Year2 months
Watch out
Steps recorded in the last 2 months of the policy year do not count towards that year's discount; they carry forward to the next policy period. If you would rather not take a premium discount, the insurer can give you medical vouchers of the same value.
Niva BupaStrongReAssure 3.0 · ClassicUp to 30% off renewal premium
Strong
Live Healthy turns daily walking into a renewal discount. Every 1,000 steps earns one health point, and your points decide the discount - up to 30% off the renewal premium for an individual policy or a floater with one adult. Floaters with more than one adult get half that, up to 15%. The programme is built into every variant.
Coverage detailstap any row to understand it
Wellness discountUp to 30% off renewal premium
Discount TypeActivity Based
Maximum Discount for Floater with 2+ Adults (%)15%
Medical Voucher Alternative to Premium DiscountNo
Steps Not Counted in Last N Months of Policy Year3 months
Watch out
Points are counted through the recommended mobile app, so you have to keep it installed and connected all year. Only insured members aged 18 and above earn points. Your discount is worked out on your health score 90 days before renewal.
Star HealthStandardSuper StarUp to 20% off renewal premium
Standard
Healthy activity earns wellness reward points, and the points take up to 20% off your renewal premium. Twelve activities count, from enrolling in the programme and a health risk assessment to walking 8,000 steps a day, a gym membership, and submitting eye, dental or vaccination reports. Everything is tracked in the Star Health app.
Coverage detailstap any row to understand it
Wellness discountUp to 20% off renewal premium
Discount TypeActivity Based
Maximum Discount for Floater with 2+ Adults (%)20%
Medical Voucher Alternative to Premium DiscountNo
Steps Not Counted in Last N Months of Policy Year1 month
Watch out
Points are the currency, not the activity, so anything you do not log in the app earns nothing.
Star HealthStandardStar Health AssureUp to 20% off renewal premium
Standard
The Star Wellness Program turns health activities into wellness points, and the points buy a discount on your renewal premium. 751 to 1000 points gives the full 20%. Points come from a health risk assessment, preventive tests, step targets, gym membership etc.
Coverage detailstap any row to understand it
Wellness discountUp to 20% off renewal premium
Discount TypeActivity Based
Maximum Discount for Floater with 2+ Adults (%)20%
Medical Voucher Alternative to Premium DiscountNo
Steps Not Counted in Last N Months of Policy Year0 months
Watch out
Everything runs through the Star Health mobile app, so activities you do not log there earn nothing.
Star HealthStandardStar ComprehensiveUp to 10% off renewal premium
Standard
The Star Wellness Program turns health activities into points, and the points cut your renewal premium: 200 to 350 points takes 2% off and 751 to 1000 points takes the full 10% off. Points come from a health risk assessment, preventive tests, step targets, gym membership, weight management and chronic-condition programmes.
Coverage detailstap any row to understand it
Wellness discountUp to 10% off renewal premium
Discount TypeBoth
Maximum Discount for Floater with 2+ Adults (%)10%
Medical Voucher Alternative to Premium DiscountNo
Steps Not Counted in Last N Months of Policy Year1 month
Watch out
Steps from the first month and the last month of each policy year are not counted, so start early in the year. On a floater the family's points are combined using a weightage table, and on a two-year policy the total is divided by two.
HDFC ERGOStandardOptima RestoreUp to 8% off renewal premium
Standard
Stay Active cuts your renewal premium if you walk. An average above 10,000 steps a day earns 8% off, and an average of 5,000 or below earns nothing. Steps count only on the company's mobile app, which has to be downloaded within 30 days of the policy start date. A separate claims-experience discount of up to 20% also applies, based on hospitalisation claims in the last two policy years.
Coverage detailstap any row to understand it
Wellness discountUp to 8% off renewal premium
Discount TypeBoth
Maximum Discount for Floater with 2+ Adults (%)8%
Medical Voucher Alternative to Premium DiscountNo
Steps Not Counted in Last N Months of Policy Year2 months
Watch out
If the app is not downloaded within 30 days of the policy start date, the Stay Active discount is not available for that year, however much you walk.
Care HealthNot coveredCare AdvantageNo wellness program
Not covered
Care Advantage has no wellness programme. Nothing in the policy rewards step counts, health goals or a completed check-up with a lower premium.
Coverage detailstap any row to understand it
Wellness discountNo wellness program
HDFC ERGONot coveredOptima Secure · Optima-SelectNo wellness program
Not covered
There is no wellness programme in this product. The prospectus lists every discount on offer - Online, Employee, Loyalty, Family etc. and none of them is earned by walking a step target, completing a check-up or meeting any health goal. Your premium does not fall because you stay active.
Coverage detailstap any row to understand it
Wellness discountNo wellness program
Watch out
The discounts here are earned by how and when you buy, not by what you do for your health. The Employee, Online, Loyalty and Family discounts together are capped at 20% of premium.
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