Life has become fast-paced today. Being constantly driven by the desire to achieve our goals, most of us tend to ignore health and wellness. Chronic lifestyle diseases and stress are natural consequences of this modern lifestyle. The ever-increasing healthcare costs further impact our financial well-being. So, a health insurance policy is the much-needed financial backup that everyone deserves for a secure future. Besides, wellness benefits in health insurance are gaining importance as they prove to be extremely useful for policyholders when it comes to meeting their health goals.
It is better to check if the mediclaim policy you have chosen provides you with various wellness benefits. With numerous health policies available in this digital era, getting health insurance with wellness benefits maximises your advantage since it enables you to access wellness programs and obtain quality medical care when required.
About Health Insurance Wellness Programs
Nowadays, we have various apps designed for our convenience to focus on a healthy lifestyle and overall well-being. For instance, there are fitness and step counter apps to help you accomplish your daily fitness targets and keep track of your progress levels. Similarly, there are meal planning apps and various other mobile applications designed to provide a plethora of wellness services.
Wellness programs offered by insurers aim to promote lifestyle choices among policyholders. They offer a range of wellness services that prevent chronic illnesses and support healthy behaviours like exercising, maintaining a balanced diet, stress management, etc. By participating in these programs, individuals can improve their overall health and reduce the risk of chronic diseases.
Health insurance companies like Care Health Insurance have also come up with wellness programs to encourage policyholders to lead a healthy lifestyle and reward them with a no claim bonus for every claim-free year. These additional perks of a health policy are included to help policyholders stay fit and healthy.
The IRDAI (Insurance and Regulatory and Development Authority of India) issued guidelines on wellness and preventive features under a health policy in September 2020. As per the guidelines, these features shall be designed with the objective of maintaining and improving good health.
How Do Wellness Programs in Health Insurance Work?
To earn wellness points, you must participate in wellness programs that prevent you from getting sick. For instance, you might go to fitness centres, or gyms, achieve your step count target, undergo annual health check-ups, and more. By participating and keeping track of these wellness activities, you can earn applicable rewards or points. You can use these points to earn benefits or discounts on your health insurance, such as discounts on policy premiums, medical consultations, redeemable vouchers for fitness centres, gym memberships, or yoga centres. These benefits also offer an increase in the sum insured during policy renewal.
How Do Policyholders Benefit from Wellness Programs?
Wellenss programs in health insurance offer a plethora of benefits to policyholders. Here are a few benefits to participating in wellness activities:
Maintaining Overall Health
Including such wellness benefits in health insurance plans is a win-win situation for the insurer and the policyholders. An insured person accessing such wellness programs will be more likely to remain in good health and become less prone to illnesses and chronic diseases. So, the chances of filing a claim under a health policy will also be lower.
Preventing Chronic Health Conditions
By availing of a health check-up facility, you can avert a major health issue before it takes shape. Your health insurance plan also enables you to get timely medical attention. So, these wellness services are an excellent way to inspire an individual to stay fit and embrace a healthy lifestyle while gaining plenty of rewards under a health policy.
Affordable HealthCare Costs
Additionally, with the availability of such wellness and preventive care services and discounts, you also save significantly and preserve your hard-earned savings. That makes your health insurance policy much more affordable in today’s times of rising medical inflation.
Access to HealthCare Facilities
Wellness programs provide ease of access to various healthcare services like fitness programs, medical counselling, preventive care, stress management, weight management, chronic disease management, smoking cessation programs, and more. These valuable medical resources help you stay healthy and maintain your overall well-being.
Offer Second Medical Opinion
There are various health plans that offer second medical opinion without any additional charges. So, in case you have any scheduled surgery or have been diagnosed with a chronic disease, this can be beneficial and help you get the right treatment.
Rewards and Discounts
One of the lucrative benefits of wellness programs is that points collected by participating in wellness programs can be redeemed to claim discounts on policy renewal, medical check-ups, doctor consultations, or fitness centre memberships.
Wellness Benefit in Care Health Insurance
We at Care encourage our customers to take strides towards achieving and maintaining good health and accessing the best healthcare when medical issues arise. Hence, we deliver wellness solutions, including OPD consultations, e-consultations, health check-up packages, and much more. Care wellness benefits focus on incentivising policyholders with rewards by encouraging them to adopt healthy habits.
You now have the facility of accessing such value-added services through our digital platforms, including the official portal and mobile application, where you can keep track of all your activities.
To redeem Care Health wellness discounts, you can follow the steps mentioned below:
- Download the ‘Claim Genie’ App and sync the fitness tracking device.
- Complete the challenges or activities mentioned on the app and get rewarded with ‘Claim Genie’ coins.
- To avail of certain benefits, you can redeem these coins.
Wrapping Up!
It is vital for anyone looking to secure their health against inevitable medical issues to understand the key benefits of health insurance and the various wellness benefits they can enjoy.
Consider Care Supreme, a comprehensive health policy by Care Health Insurance that provides an annual health check-up, unlimited e-consultations, no-claim bonus, medical treatment at 24800+ cashless healthcare providers, and various other policy benefits. Moreover, with a user-friendly online portal and mobile app, you can experience hassle-free policy renewal and claims procedures in addition to availing of multiple wellness benefits.
>> Also Read: Wellness Regime with the Earn & Burn Health Insurance Benefit
Disclaimer: The above information is for reference purposes only. For more details about the health insurance plans and their benefits please refer to the sales prospectus, policy terms, and conditions.
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