Health insurance discounts can be used to reduce health insurance premiums by up to 100%, making the policy more affordable. Insurance companies in India offer a variety of health insurance discounts, ranging from the No Claim Bonus (NCB) and wellness discounts to online discounts. While some discounts can be availed while buying the policy for the first time, others can be used at the time of policy renewal.
*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply
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Take a look at some of the most common types of health insurance discounts offered by insurers in India:
No Claim Bonus or NCB is a discount on health insurance renewal premiums granted by the insurer if the policyholder has not raised a claim in the previous policy year. The NCB can be accumulated for every claim-free year, starting from 5% to 100%.
Family discount is a type of discount available with multi-individual health plans if the policyholder buys a policy for 2 or more family members. For example, you may get a family discount of 5% on buying individual health plans for 2 family members and 10% for 3 members. This discount can be availed at the time of buying the policy and, usually, ranges from 5% to 20%, depending on the plan.
Long-term discount is granted to policyholders who opt for a policy tenure of 2 years or 3 years. For example, 5% long-term discount may be available on opting for a 2-year policy and 10% on opting for a 3-year policy. This discount on insurance premium payment can be availed during policy purchase and ranges from 4% to 12.5%, depending on the plan.
Wellness discount in health insurance is available to policyholders who achieve the fitness goals set by the company. This health insurance discount for fitness aims to promote good health and a healthy lifestyle. Moreover, some health plans offer fitness discounts of up to 100% on renewal premiums to active customers.
Online discount is a type of discount on insurance premium payment granted by insurers on buying the health policy online from the website. This discount can be availed at the time of buying the policy. Usually, insurance companies offer an online discount of 5% or 10%.
Loyalty discount is granted to policyholders who already have another insurance policy from the same insurer. For example, if you have a car insurance policy from Insurer A, you may get a loyalty discount on buying medical insurance from the same insurer. Insurance companies mainly offer a loyalty discount of 5% or 10%, which can be used at the time of policy purchase.
Check out the list of discounts offered by various health insurance plans in India:
Health Insurance Plans | Health Insurance Discounts |
Aditya Birla Activ Health Platinum Plan |
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Bajaj Allianz My Health Care Plan |
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Care Supreme Plan |
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Cholamandalam Flexi Supreme Plan |
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Digit Health Insurance Plan |
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Future Generali Health Elite Plan |
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HDFC ERGO my:health Suraksha Plan |
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IFFCO Tokio Health Protector Plan |
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Kotak Mahindra Health Premier Plan |
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Liberty HealthPrime Connect Plan |
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Magma HDI OneHealth Plan |
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ManipalCigna ProHealth Prime Plan |
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National Mediclaim Plan |
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New India Assurance Mediclaim Plan |
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Niva Bupa ReAssure 2.0 Plan |
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Oriental Mediclaim Insurance Plan |
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Raheja QBE Health QuBE Insurance Plan |
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Reliance Health Infinity Insurance Plan |
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Royal Sundaram Multiplier Health Insurance Plan |
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SBI Health Edge Insurance Plan |
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Star Health Assure Insurance Plan |
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Tata AIG Medicare Premier Plan |
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United India Family Medicare Plan |
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Universal Sompo Super Health Insurance Plan |
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Zuno Health Insurance Plan |
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*Note: Insurance companies may apply a maximum limit on overall discount availed in a policy year.
Discounts are a great way to lower health insurance premiums. But what’s even better is to get a chance to lower health insurance premiums for staying active and healthy. Wellness discounts on health insurance offer a discount on renewal premiums to policyholders who maintain a healthy lifestyle.
Health insurance companies provide wellness reward points to policyholders for undertaking various wellness activities, such as:
With health insurance discount for wellness programs, insurance companies encourage policyholders to stay active, switch to healthy lifestyle habits, undergo health check-ups and track their health regularly.
Here is a list of medical insurance plans that offer wellness discounts in India:
The Aditya Birla Activa Health Platinum plan offers a Health Returns discount of up to 50% on renewal premiums on fulfilling the following parameters.
Parameters | Discount Offered |
13 or more Active Dayz completed in a month | 30% |
275 Active Dayz completed in a year | 20% |
325 Active Dayz completed in a year | 50% |
Total Discount | 100% |
1 Activ Day = 10,000 steps per day or 30 minutes gym/yoga session or burning 300 calories a day in one exercise session or participating in recognized marathons, walkathons or cyclothons
The Bajaj Allianz My Health Care plan provides a wellness discount of up to 12.5% on renewal premiums if the insured achieves the following parameters listed by the insurance company.
Parameters Achieved | Discount Offered |
Achieving 4 or 5 parameters | 5% |
Achieving 6 or 7 parameters | 7.5% |
Achieving all 8 parameters | 10% |
Achieving all 8 parameters + completing 10,000 steps daily for 20 days per month | 12.5% |
The parameters include satisfactory health risk assessment, fasting blood sugar, blood pressure, BMI, haemoglobin, serum cholesterol, HbA1c and completing 5,000 steps daily for 20 days a month.
The Bajaj Allianz General Insurance Company also offers a 5% fitness discount if the insured has completed at least 2 marathons of 5 km in the last 12 months and has certificates of completion.
The Care Supreme plan offers a wellness discount of up to 30% on renewal premiums if the insured accumulates 270 healthy days in a year. However, this discount is available as an optional benefit under the plan.
Number of Healthy Days | Discount Offered |
Accumulating 120 healthy days | 10% |
Accumulating 180 healthy days | 15% |
Accumulating 240 healthy days | 20% |
Accumulating 270 healthy days | 30% |
1 Healthy day = Completing 10,000 steps or more per day
The Cholamandalam Flexi Health Supreme plan offers a healthy week discount of up to 10% on renewal premiums by accumulating more than 36 healthy weeks.
Number of Healthy Weeks Accumulated | Discount Offered |
1 to 4 weeks | 0.5% |
5 to 8 weeks | 1% |
9 to 12 weeks | 2% |
13 to 16 weeks | 3% |
17 to 26 weeks | 5% |
27 to 36 weeks | 7.5% |
More than 36 weeks | 10% |
1 Healthy week = Completing 50,000 steps in a week with a maximum of 10,000 steps per day
The Digit Health Insurance plan offers a good health discount of 5% at the time of policy purchase and renewals if the insured is healthy and follows good health practices, including regular exercising, no smoking or consumption of tobacco, eating a healthy diet and monitoring the diet regularly.
The Future Generali Health Elite plan offers a wellness discount of up to 5% on renewal premiums if the insured earns wellness reward points by performing multiple wellness activities. Maximum reward points for different wellness activities are as follows:
Wellness Reward Points Earned | Discount Offered |
15 to 99 points | 2% |
100 to 149 points | 3% |
150 to 184 points | 4% |
185 to 200 points | 5% |
The HDFC ERGO my:health Suraksha plan offers a fitness discount of up to 10% on renewal premiums if the policyholder accumulates more than 36 healthy weeks.
Number of Healthy Weeks Accumulated | Discount Offered |
1 to 4 weeks | 0.5% |
5 to 8 weeks | 1% |
9 to 12 weeks | 2% |
13 to 16 weeks | 3% |
17 to 26 weeks | 6% |
27 to 36 weeks | 7.5% |
More than 36 weeks | 10% |
1 Healthy week = Completing 50,000 steps in a week with a maximum of 15,000 per day or burning 900 calories a week with up to 300 calories a day
The IFFCO Tokio Health Protector plan offers a wellness discount of up to 12.5% on renewal premiums if the policyholder earns 2500 wellness reward points by performing different wellness services and activities. The maximum points for each wellness service or activity are:
Wellness Reward Points Earned | Discount Offered |
500 points | 2.5% |
1000 points | 5% |
1500 points | 7.5% |
2000 points | 10% |
2500 points | 12.5% |
The Kotak Mahindra Health Premier plan provides discounts on OPD medical expenses, non-medical expenses, payment of co-payment and in-patient treatment & day care treatment claims if the policyholder earns reward points.
4 Reward Points = Rs 1
Wellness Activities | Reward Points |
Health Risk Assessment | 250 points |
Health Check-up | 500 points |
Preventive Check-up | 250 points |
Gym/ Yoga Membership for 1 year | 1000 points |
Sports Activity Membership (Swimming, Badminton, tennis, etc.) | 1000 points |
Participating in Professional Sporting events like Marathons, Triathlons, etc. | 500 points per event 1000 points per year |
Winning Health Contests/Quiz Organised by the Insurer | 250 points per event 500 points per year |
Sharing Your Fitness Story | 250 points |
The Liberty HealthPrime Connect plan provides a 10% wellness discount on renewal premiums if the insured earns wellness reward points by performing various activities.
Wellness Activities | Reward Points |
Online Health Risk Assessment | 200 points |
Health Risk Assessment Outcome | 100/150 points per month 500/1000 points per year |
Prophylactic screening | 50 to 250 points per quarter 100 to 500 points per year |
BMI | 100 to 250 points per quarter 200 to 500 points per year |
Normal blood pressure levels | 150 points per quarter 500 points per year |
Normal blood sugar levels | 150 points per quarter 500 points per year |
Normal lipid profile levels | 150 points per quarter 500 points per year |
Participating in professional sports events like marathons, cyclothon, swimathon, etc. | 100 points per event 500 points per year |
Child participating in sports at the school/state/national level | 20 to 100 points per sport 50 to 200 points per year |
The Magma HDI OneHealth plan offers a fitness discount of up to 10% on renewal premiums if the insured has earned fitness reward points by performing various fitness activities.
Fitness Activities Performed | Discount Offered |
Health check-up | 1% |
Completing at least a 10 Km marathon | 1.5% |
Gym/yoga or any other fitness centre membership | 2% |
Completing any other sports event | 2.5% |
Participating in health programs sponsored by the insurer | 5% |
Total Discount | 10% |
The ManipalCigna ProHealth Prime plan offers a wellness discount of up to 20% on renewal premiums if the insured completes 10,000 steps or more per day for at least 240 days.
Number of Steps Completed (Per Day) | Discount Offered | ||
120 to 179 days | 180 to 239 days | 240 days or more | |
6000 to 7999 steps | - | 5% | 10% |
8000 to 9999 steps | 5% | 10% | 15% |
10,000 steps or more | 10% | 15% | 20% |
The Niva Bupa ReAssure 2.0 plan offers a live healthy discount of up to 30% on renewal premiums by walking and earning health points.
Health Points Earned | Discount Offered |
1501 to 2250 points | 5% |
2251 to 3000 points | 15% |
3001 to 3750 points | 20% |
More than 3750 points | 30% |
1 Health Point = 1000 steps
The Reliance Health Infinity Insurance plan offers a stay healthy discount of 10% on renewal premiums if the insured undergoes an annual health check-up. The plan also offers a 5% BMI discount if the BMI of the insured is normal.
The Royal Sundaram Multiplier Health Insurance plan provides a discount on diagnostic tests, OPD consultations, mobility devices and medical devices if the insured earns reward points through the insurer’s Health and Wellness app.
The Health and Wellness app will track physical activities, such as walking, running, swimming, weight and cardio training in the gym, etc. The app will also capture sleep patterns, resting heart rate, daily step count, etc.
The SBI Health Edge Insurance plan offers a walk healthy discount of up to 30% on renewal premiums if the insured completes more than 3.75 lakh steps in a policy year.
Number of Steps Completed (Per Annum) |
Discount Offered |
15,00,001 to 22,50,000 steps | 5% |
22,50,001 to 30,00,000 steps | 15% |
30,00,001 to 37,50,000 steps | 20% |
More than 37,50,000 steps | 30% |
The Star Health Assure Insurance plan offers a wellness discount of up to 20% on renewal premiums if the insured earns wellness points by performing various wellness activities. The maximum points for different wellness activities to earn wellness discount on Star health insurance are as follows:
Wellness Points Earned | Discount Offered |
200 to 350 points | 4% |
351 to 600 points | 10% |
601 to 750 points | 14% |
751 to 1000 points | 20% |
The Tata AIG Medicare Premier plan provides a wellness discount on OPD consultations, health check-ups, diagnostic tests, medicines and health supplements if the insured accumulates healthy days.
1 Healthy Day = 10,000 steps per day or burning 500 calories per day
The plan also provides redeemable discount vouchers to promote fitness and wellness as part of wellness services.
The Universal Sompo Super Health Insurance plan offers a wellness discount on renewal premiums if the insured earns reward points/USGI coins by performing wellness activities. The discount is limited to 30% of the USGI coins, subject to a maximum of Rs 300 per year.
4 USGI Coins = Rs 1
Wellness Activities | USGI Coins/ Reward Points |
Health Risk Assessment | 500 coins |
Health Risk Assessment Outcome | 100/150 coins per month 500/1000 coins per year |
Normal Blood Pressure | 150 coins per month 500 coins per year |
Normal Blood Sugar | 150 coins per quarter 500 coins per year |
Normal Lipid Profile | 150 coins per quarter 500 coins per year |
BMI | 100 to 250 coins per quarter 200 to 500 coins per year |
Health Tests | 150 coins per quarter 300 coins per year |
Annual Membership for Gym/ Yoga/ Zumba/ Aerobic/ Dance | 150 coins per quarter 400 coins per year |
Participating in Professional Sports Events like Marathon, Cyclothon, Swimathon, etc. | 100 coins per event 500 coins per year |
Participating in Competitive Sports at School/State/National Level | 20/75 coins per sport 50/150 coins per year |
Pledging to Quit Smoking | 150 coins |
Drinking 3-4 litres of Water Daily | 50 coins per month 200 coins per year |
Downloading Wellness Application | 150 coins |
Referring USGI Policy to a Friend | 100 coins per referral 300 coins per year |
Sum Insured Enhancement | 100 coins |