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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:
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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%.
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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.
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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.
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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.
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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%.
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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 |
| ICICI Lombard Elevate Plan | Up to 30% wellness discount Up to 15% tenure discount |
| IFFCO Tokio Health Protector Plan | Up to 12.5% wellness 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 |
| Zurich Kotak (formerly known as Kotak Mahindra) Health Premier Plan | Health and rewards discount |
See More Plans
*Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in.
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:
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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% -
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 Limited 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.
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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
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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
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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.
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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
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ICICI Lombard Elevate Plan
The ICICI Lombard Elevate plan provides a wellness discount of up to 30% on renewal premiums if the policyholder accumulates at least 9,000 wellness points in a policy year. The maximum wellness points earned for different activities are as follows:
- Health risk assessment - 500 points
- Undergoing health check-ups and uploading the reports - 1000 points
- Face scan once a quarter - 400 points
- First usage of chat with a health coach/health expert - 100 points
- Participation in any one insurer-initiated contest/health quiz - 200 points
- Participation in any one insurer-initiated webinar - 200 points
- Achieving target steps per month - 6000 points
- Successful completion of fitness challenge on the app - 500 points
- Participation in professional events like cyclathon, marathon, swimathon, etc. - 500 points
Wellness Reward Points Earned Discount Offered 2500 to 3999 points 2.5% 4000 to 4999 points 5% 5000 to 6999 points 10% 7000 to 8999 points 20% 9000 points or more 30% -
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% -
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 yearProphylactic screening 50 to 250 points per quarter
100 to 500 points per yearBMI 100 to 250 points per quarter
200 to 500 points per yearNormal blood pressure levels 150 points per quarter
500 points per yearNormal blood sugar levels 150 points per quarter
500 points per yearNormal lipid profile levels 150 points per quarter
500 points per yearParticipating in professional sports events like marathons, cyclothon, swimathon, etc. 100 points per event
500 points per yearChild 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 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
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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.
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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.
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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.
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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 = ₹ 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 yearNormal Blood Pressure 150 coins per month
500 coins per yearNormal Blood Sugar 150 coins per quarter
500 coins per yearNormal Lipid Profile 150 coins per quarter
500 coins per yearBMI 100 to 250 coins per quarter
200 to 500 coins per yearHealth Tests 150 coins per quarter
300 coins per yearAnnual Membership for Gym/ Yoga/ Zumba/ Aerobic/ Dance 150 coins per quarter
400 coins per yearParticipating in Professional Sports Events like Marathon, Cyclothon, Swimathon, etc. 100 coins per event
500 coins per yearParticipating in Competitive Sports at School/State/National Level 20/75 coins per sport
50/150 coins per yearPledging to Quit Smoking 150 coins Drinking 3-4 litres of Water Daily 50 coins per month
200 coins per yearDownloading Wellness Application 150 coins Referring USGI Policy to a Friend 100 coins per referral
300 coins per yearSum Insured Enhancement 100 coins -
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 = ₹ 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 yearWinning Health Contests/Quiz Organised by the Insurer 250 points per event
500 points per yearSharing Your Fitness Story 250 points
FAQs
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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
Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in
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*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. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.
*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.
**All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.
*₹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
*₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.
*₹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.
*No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.
*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.
*Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.
*The scope of coverage may vary from plan to plan.
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