Wellness Programs Available Under Health Insurance Policies: Explained

The Covid-19 pandemic brought about a lot of changes to the health care and health insurance sectors. Many people realised how important a proper insurance coverage is, which is evident from the growth in the sale of health insurance policies in the past few months. This demand made health insurance companies to come up with schemes that are more attractive and relevant to the consumers. One such improvement is the offering of wellness programs in health insurance policies.

Health Insurance

What is health insurance?

Now let’s understand that what is health insurance. It is an insurance policy that will cover your medical and hospitalisation expenses, in case of an illness or an accident. A proper health insurance plan will help you and your family financially while you navigate through difficult times in your life.

What are wellness programs under health insurance?

Health insurance with wellness programs acts as a bonus to your regular health insurance policy. Through offerings like free medical check-up, gym memberships, etc. these programs motivate and nudge you to stay fit, thereby preventing some illnesses.

These changes are being driven not just by some insurance companies but are actively being promoted by the sector regulator. Insurance Regulatory and Development Authority of India’s (IRDAI) guidelines dated 4th September, 2020 promotes wellness programs and provide a clear guideline on what insurance companies can offer. You can visit the official website of IRDAI for further details.

Let’s look at some of the wellness programs insurance companies can offer according to IRDAI –

  1. Outpatient consultations or treatments – In most cases, your regular insurance will only cover inpatient treatments. But many insurers now offer outpatient consultations as part of wellness programs.
  2. Health check-ups – Some wellness programs offer diagnosis help and health check-ups, helping you find irregularities before they turn serious.
  3. Vouchers to obtain health supplements – These can be for your vitamin pills or even your protein powder – many wellness programs come with vouchers for health supplements these days.
  4. Memberships – Many wellness programs offer membership to programs that help you stay fit. These could be membership to a gymnasium, a yoga centre, a sports club, or a fitness centre.

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Why are wellness programs important?

A July 2021 report by Associated Chambers of Commerce and Industry of India (ASSOCHAM), a non-governmental trade association, showed that 116 people in every 1,000 people surveyed in India have non-communicable diseases (NCDs) like heart disease, stroke, cancer, or diabetes. Many believe that our lifestyle changes, including lack of physical activities and increased consumption of junk food has caused this health crisis. This makes keeping your health in check very important in today’s times. And wellness programs could be of help here.

How can you benefit?

Vouchers, credits, and subscription benefits in the wellness programs encourage you to keep your health in check. There are wellness programs that reward you for exercises like running or swimming, which can be redeemed as per the terms and conditions of the insurer. Health check-ups associated with the wellness programs could help you find out NCDs at their root and prevent something serious from happening. * Standard T&C Apply

These all make choosing a health insurance with wellness programs a wise choice, especially if you are looking for health insurance plans for family. These wellness programs, if utilised properly, could make a big difference in your overall health.

Please note insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure/policy wording carefully before concluding a sale.

Ricardo L. Dominguez

Tv geek. Professional twitter buff. Incurable zombie aficionado. Bacon fanatic. Internet expert. Alcohol specialist.Fixie owner, father of 3, ukulelist, Mad Men fan and Guest speaker. Working at the fulcrum of simplicity and programing to create great work for living breathing human beings. Concept is the foundation of everything else.