Q1. Can we get a discount on health insurance?

Ans: Yes. You can get a variety of discounts on your health insurance plan, depending on the insurance company.

Q2. What is the discount rate on health insurance?

Ans: Policyholders can earn a discount rate ranging from 2.5% to 55% per policy year in health insurance, depending on the plan.

Q3. What is no claim discount in health insurance?

Ans: No claim discount can be earned on your health insurance policy if no claim has been raised in the previous policy year. This rebate can be used as a discount on health insurance renewal premiums.

Q4. What is the maximum rebate for health insurance?

Ans: A maximum discount of 55% can be availed in a health insurance policy year. However, the discount may differ from one health plan to another.

Q5. How to get a discount on health insurance renewal?

Ans: At the time of renewals, you can avail wellness discounts, no claim discounts, renewal discounts and online discounts, among others on your health policy, subject to availability. Make sure to go through your policy terms and conditions carefully to know about the available discounts.

Health Insurance Discounts - Unlock Savings on Your Wellness!

Types of Health Insurance Discounts

Take a look at some of the most common types of health insurance discounts offered by insurers in India:

No Claim Bonus

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

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/ Multi-year Discount

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/ Fitness Discount

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/ Direct Business Discount

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

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.

Health Insurance Discounts

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	Up to 100% No Claim Bonus Up to 100% Health Returns discount 10% loyalty discount Up to 10% long-term discount Up to 10% family discount 5% loyalty discount
Bajaj Allianz My Health Care Plan	Up to 25% zone discount Up to 20% voluntary co-payment discount Up to 15% family discount Up to 12.5% wellness discount Up to 8% long-term discount 5% fitness discount 5% online discount 5% loyalty discount 5% early entry discount
Care Supreme Plan	Up to 30% wellness discount Up to 10% tenure discount Up to 10% family discount Up to 5% direct discount Up to 5% cross sell discount Discount connect
Cholamandalam Flexi Supreme Plan	15% direct discount Up to 10% healthy week discount Up to 10% family discount Up to 10% long term discount Up to 4% premium payment mode discount
Digit Health Insurance Plan	10% network hospital discount 10% city discount Up to 10% long-term discount Up to 10% family discount 5% Digit loyalty discount 5% good health discount 5% credit score discount 5% corporate discount 5% early renewal discount Small fixed deductible discount
Future Generali Health Elite Plan	Up to 60% family floater discount 10% family discount Up to 10% long-term discount 7.5% website discount Up to 5% wellness discount
HDFC ERGO my:health Suraksha Plan	50% family floater discount Up to 10% fitness discount 10% family discount 10% loyalty discount Up to 10% long-term policy discount 5% online policy discount
IFFCO Tokio Health Protector Plan	Up to 12.5% wellness discount
Zurich Kotak (formerly known as Kotak Mahindra) Health Premier Plan	Health and rewards discount
Liberty HealthPrime Connect Plan	10% wellness discount 10% family discount 7.5% multi-year policy discount
Magma HDI OneHealth Plan	Up to 12.5% tenure discount Up to 10% fitness discount 10% direct sourcing discount 5% cross sell discount
ManipalCigna ProHealth Prime Plan	Up to 20% wellness discount 20% family discount 10% worksite marketing discount Up to 10% long-term policy discount 5% existing customer discount 3% standing instruction discount
National Mediclaim Plan	Up to 15% co-payment discount 10% online discount 5% COVID-19 vaccination discount
New India Assurance Mediclaim Plan	15% voluntary co-pay discount
Niva Bupa ReAssure 2.0 Plan	Up to 30% live healthy discount
Oriental Mediclaim Insurance Plan	Up to 20% voluntary co-payment discount 10% family discount 10% online discount 5.5% TPA discount
Raheja QBE Health QuBE Insurance Plan	20% co-payment discount
Reliance Health Infinity Insurance Plan	20% zone wise relativity discount 10% stay healthy discount 10% voluntary co-payment discount 10% online discount 10% prime discount 10% family discount 10% policy tenure discount Up to 7.5% credit score discount 5% girl child discount 5% BMI discount 5% early bird discount 5% female proposer discount 2.5% renewal discount 2.5% concurrent disclosure discount 2.5% vaccination discount Voluntary aggregate deductible discount Removal of More Options benefit discount Increase in PED waiting period discount
Royal Sundaram Multiplier Health Insurance Plan	20% zone discount Up to 9% multi-year policy discount 5% direct channel discount Health and wellness plus discount Voluntary co-payment discount
SBI Health Edge Insurance Plan	Up to 30% walk healthy discount Up to 30% floater discount Up to 10% hospital days discount 5% non-floater discount Up to 6% term discount
Star Health Assure Insurance Plan	Up to 55% aggregate deductible discount Up to 40% floater discount Up to 20% wellness discount 10% long-term discount 5% online discount
Tata AIG Medicare Premier Plan	Up to 32% family floater discount Up to 10% long-term discount Wellness discount
United India Family Medicare Plan	Up to 15% no claim discount 10% online discount 5% family discount
Universal Sompo Super Health Insurance Plan	10% family discount Up to 10% long-term discount 5% loyalty discount Wellness discount
Zuno Health Insurance Plan	Up to 10% single premium discount Up to 10% voluntary co-payment discount 5% family discount

See More Plans

*Note: Insurance companies may apply a maximum limit on overall discount availed in a policy year.

Wellness Discount in Health Insurance

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:

Achieving steps target
Taking annual gym/yoga/health club membership
Participating in marathons, walkathons, etc.
Undertaking health risk assessment
Maintaining healthy BMI

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.

List of Health Insurance Plans Offering Wellness Discounts

Here is a list of medical insurance plans that offer wellness discounts in India:

Aditya Birla Activ Health PlatinumPlan

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

Bajaj Allianz My Health Care Plan

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.

Care Supreme Plan

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

Cholamandalam Flexi Health Supreme Plan

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

Digit Health Insurance Plan

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.
Future Generali Health Elite Plan

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:
- Fitness/healthy lifestyle tracking – 60 points
- Monitoring of lifestyle diseases – 45 points
- Expert wellness assessment – 40 points
- Stress & Happiness Index Score – 20 points
- Enrolment to wellness – 15 points
- Participation in Future Generali India Insurance’s organized events & wellness content – 20 points
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%

HDFC ERGO my:health Suraksha Plan

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

IFFCO Tokio Health Protector Plan

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:
- Completion of health risk assessment – 100 points
- Step count target – 1000 points
- Enrolment in fitness activities like gym, yoga, swimming, etc. – 200 points
- Undergoing diagnostic/preventive risk assessment – 750 points
- Enrolment in disease management program – 200 points
- Participation in walkathon/marathon – 100 points
- Enrolment in self-care plans like diet plans/ meditation – 500 points
Wellness Reward Points Earned Discount Offered

500 points 2.5%

1000 points 5%

1500 points 7.5%

2000 points 10%

2500 points 12.5%

Zurich Kotak (formerly known as Kotak Mahindra) Health Premier Plan

The Zurich Kotak (formerly known as 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

Liberty HealthPrime Connect Plan

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

Magma HDI OneHealth Plan

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%

ManipalCigna ProHealth Prime Plan

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
Number of Steps Completed (Per Day)	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%

Niva Bupa ReAssure 2.0 Plan

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
Reliance Health Infinity Insurance Plan

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.
Royal Sundaram Multiplier Health Insurance Plan

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.
SBI Health Edge Insurance Plan

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%
Star Health Assure Insurance Plan

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:
- Online Health Risk Assessment – 50 points
- Achieving step count target – 200 points
- Preventive risk assessment – 200 points
- Health club membership of 1 year or more – 100 points
- Participating in marathon, walkathon and similar activities – 100 points
- Weight management program for overweight/obese people – 100 points
- Chronic condition management program – 250 points
- De-stress and mind body healing program – 125 points
- Sharing fitness success story – 50 points
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%
Tata AIG Medicare Premier Plan

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.

Universal Sompo Super Health Insurance Plan

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

FAQs

Q1. Can we get a discount on health insurance?

Ans: Yes. You can get a variety of discounts on your health insurance plan, depending on the insurance company.
Q2. What is the discount rate on health insurance?

Ans: Policyholders can earn a discount rate ranging from 2.5% to 55% per policy year in health insurance, depending on the plan.
Q3. What is no claim discount in health insurance?

Ans: No claim discount can be earned on your health insurance policy if no claim has been raised in the previous policy year. This rebate can be used as a discount on health insurance renewal premiums.
Q4. What is the maximum rebate for health insurance?

Ans: A maximum discount of 55% can be availed in a health insurance policy year. However, the discount may differ from one health plan to another.
Q5. How to get a discount on health insurance renewal?

Ans: At the time of renewals, you can avail wellness discounts, no claim discounts, renewal discounts and online discounts, among others on your health policy, subject to availability. Make sure to go through your policy terms and conditions carefully to know about the available discounts.

Health insurance companies

View more insurers

Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

❮ ❯

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%

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%

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%

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%

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%

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%

Health Insurance Discounts

Types of Health Insurance Discounts

No Claim Bonus

Family Discount

Long-term Discount/ Multi-year Discount

Wellness Discount/ Fitness Discount

Online Discount/ Direct Business Discount

Loyalty Discount

Health Insurance Discounts

Wellness Discount in Health Insurance

List of Health Insurance Plans Offering Wellness Discounts

Aditya Birla Activ Health PlatinumPlan

Bajaj Allianz My Health Care Plan

Care Supreme Plan

Cholamandalam Flexi Health Supreme Plan

Digit Health Insurance Plan

Future Generali Health Elite Plan

HDFC ERGO my:health Suraksha Plan

IFFCO Tokio Health Protector Plan

Zurich Kotak (formerly known as Kotak Mahindra) Health Premier Plan

Liberty HealthPrime Connect Plan

Magma HDI OneHealth Plan

ManipalCigna ProHealth Prime Plan

Niva Bupa ReAssure 2.0 Plan

Reliance Health Infinity Insurance Plan

Royal Sundaram Multiplier Health Insurance Plan

SBI Health Edge Insurance Plan

Star Health Assure Insurance Plan

Tata AIG Medicare Premier Plan

Universal Sompo Super Health Insurance Plan

FAQs

Health insurance Articles