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      Health Insurance Discounts

      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.

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      Types of Health Insurance Discounts

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

      1. 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%.

      2. 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.

      3. 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.

      4. 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.

      5. 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%.

      6. 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
      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:

      1. 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

      2. 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.

      3. 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

      4. 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

      5. 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.

      6. 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%
      7. 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

      8. 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%
      9. Kotak Mahindra Health Premier Plan

        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
      10. 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
      11. 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%
      12. 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
        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%
      13. 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

      14. 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.

      15. 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.

      16. 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%
      17. 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%
      18. 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.

      19. 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

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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881. Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. As per the Insurance guidelines, you are allowed to cancel the policy with-in 15 days from the date of Issuance of policy. For more details, please read the Plan Brochure carefully or talk to our advisor at the time of purchase.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

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      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

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      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

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      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

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