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 wellbeing. So, a health insurance policy is the much-required financial back-up 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 health 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 maximizes 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 wellbeing. For instance, there are fitness and step counter apps to accomplish your daily fitness targets and keep track of your progress levels. Similarly, there are meal planning apps and various such mobile applications designed to provide a plethora of wellness services.
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 points for staying committed to maintaining good health.
The IRDAI (Insurance and Regulatory and Development Authority of India) had 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. Insurers can offer reward points to policyholders complying with the set criteria.
As per the IRDAI guidelines, insurers can provide the policyholders with wellness benefits in health insurance plans that include:
- Outpatient consultations, pharmaceuticals, and diagnostics or health check-ups with discounts
- Increase in sum insured or premium discount during policy renewal based on wellness regime followed in the preceding policy period
- Redeemable vouchers to obtain health supplements and redeemable vouchers for membership in yoga centers, gyms, sports clubs, and fitness centers for participating in fitness activities.
Wellness Services by 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. Our wellness programs focus on incentivizing policyholders with reward points by encouraging them to adopt healthy habits. They can redeem the points as per the terms and conditions.
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.
How Do Policyholders Benefit from Wellness Programs?
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 & chronic diseases. So, the chances of filing a claim under a health policy will also be lower.
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. Additionally, with the availability such wellness & 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.
To Sum Up
It is vital for anyone looking to secure health against inevitable medical issues to understand the key benefits of health insurance and the various wellness benefits they can enjoy.
Consider Care, a comprehensive health policy by Care Health Insurance that provides annual health check-up, no claim bonus, cashless medical treatment at 8350+ network hospitals, and various other policy benefits. Moreover, with a user-friendly online portal and mobile app, you can experience hassle-free policy renewal and claims procedure in addition to availing of multiple wellness benefits.
Disclaimer: *Please read the policy T&C, brochure, and prospectus to know more about our health insurance plans and wellness benefits.