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Health Management Services in Term Insurance add a valuable layer of health-focused benefits to traditional life insurance. These services help policyholders actively manage their health through regular check-ups, teleconsultations, wellness programs, and discounts on medical services.
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By focusing on early detection and preventive care, health management services ensure that policyholders stay healthy while maintaining financial protection. Leading insurers like Tata AIA and Bajaj Allianz offer these comprehensive benefits, making term insurance a well-rounded solution for both health and security.
Term Plans
Health Management Services in term insurance are additional features offered by insurers that focus on helping you monitor, maintain, and improve your health. These services can include things like regular health check-ups, personalized health tips, fitness programs, and support for chronic conditions. The idea is to ensure that you're not just financially covered but also healthier, reducing your overall risk of serious illness.
Currently, Tata AIA and Bajaj Allianz life insurance companies offer health management services in India. Tata AIA offers 4 consultations per month with health check-ups and comprehensive health check-ups provided for free once during the policy term. Similarly, Bajaj Allianz offers 2 teleconsultations per month and network discounts provided throughout the year.
| Insurers Offering Health Management Services | Total Worth of Benefits | |
| Tata AIA Life Insurance | For Cover under 1.5 Crores | Rs. 31,750 |
| For Cover over 1.5 Crores | Rs. 29,570 | |
| Bajaj Allianz Life Insurance | Rs. 14,000 | |
Term insurance plans with Health Management Services offer a range of features designed to support your overall well-being, both physically and financially. Here are some common health management services included in these life insurance plans:
Access to telemedicine services allows you to consult with doctors and specialists online, addressing health concerns without needing to visit a clinic. These consultations provide a convenient way to seek medical advice and prescriptions from the comfort of your home.
Regular health check-ups are a key feature, often covering essential tests like:
| Tests Included in Basic Health Check-ups | |||
| HbA1c (to monitor blood sugar control) | Blood Sugar Levels (to detect diabetes risk) | Cholesterol Levels (for heart health) | BMI (Body Mass Index) |
| Vitamin B12 and Vitamin D | Thyroid Profile | CBC (Complete Blood Count) | - |
Many term insurance policies include more in-depth comprehensive health check-ups for a thorough assessment of your health. These tests can include:
| Tests Included in Health Check-ups | |||
| Cancer Screening (PSA) | Diabetes Screening | Iron and Calcium Levels | Kidney Function Test (KFT) |
| Pancreas Profile | Vitamin Profile | Arthritis Screening | Lipid Profile (for heart health) |
| Urine Analysis | Liver Function Test (LFT) | Thyroid Profile | - |
Term insurance policies with health management services often provide network discounts on various healthcare needs, including:
Medicines
Lab Test Bookings
Out-Patient Consultations
In-Patient Hospitalisations
Some policies offer programs for managing long-term conditions like diabetes, hypertension, or heart disease, helping you stay on track with regular monitoring and treatment.
Wellness programs encourage healthy living through lifestyle tips, fitness plans, and personalized health advice. Some insurers even offer rewards or discounts on premiums for maintaining a healthy lifestyle, such as achieving fitness goals or completing regular health check-ups.
Mental health is an increasingly important aspect of overall well-being, and many insurers are now offering mental health support services as part of their health management programs. This may include access to counselors, mental health assessments, and stress management resources.
By offering these health management services, term insurance plans not only provide financial security but also promote overall well-being, ensuring that you stay healthy while safeguarding your family's future.
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Currently, Tata AIA and Bajaj Allianz life insurance companies offer health management services in India. Tata AIA offers total free services up to Rs. 31,750 for a sum assured greater than 1.5 Crores, while for a sum assured up to 1.5 Crores, the free services are up to 29,570. Tata AIA life insurance offers 4 consultations per month with health check-ups and comprehensive health check-ups provided for free once during the policy term. Similarly, Bajaj Allianz offers free health management services up to 14,000 per year with 2 teleconsultations per month and network discounts provided throughout the year.
Proactive Monitoring: Health management services allow policyholders to keep track of their health regularly, often through routine check-ups or wellness assessments. Early detection of health issues can prevent them from escalating into more serious conditions, ultimately leading to better health outcomes.
Preventive Care: These services help you detect potential health issues early on, allowing for preventive care rather than treatment after an illness has developed.
Better Lifestyle Choices: By offering wellness programs and health assessments, term insurance policies with health management services encourage healthier lifestyle choices.
Cost Savings: Maintaining good health through these services can lower the chances of needing expensive medical treatments in the future. Some policies even reward you for healthy habits by offering premium discounts.
Peace of Mind: With regular check-ups, telemedicine, and disease management, you have the peace of mind knowing your health is being monitored and supported. You don't have to wait until something goes wrong to seek help.
Support for Chronic Conditions: If you already have a chronic condition, these services help you manage it more effectively, ensuring that your health is in check and your quality of life improves.
Most life insurance companies make it easy to access health management services through mobile apps or online portals. Once you have purchased a term insurance plan with these features, you can log in to your insurer's app or website to view your wellness programs, schedule check-ups, and track your health progress. Some insurers also provide a dedicated customer support team or health coaches to guide you through your health journey.
Health Management Services in term insurance provide more than just life cover—they offer a holistic approach to your well-being. With services ranging from health check-ups and wellness programs to chronic disease management and mental health support, these features help you maintain a healthier life while offering financial protection for your family. Before choosing a term insurance plan, consider whether it offers these valuable services and how they can fit into your lifestyle.
Note: You should also check the term insurance benefits if you are planning to purchase the term insurance plan.
˜Top 5 plans based on annualized premium for bookings made on https://www.policybazaar.com in the first 6 months of FY 24-25.
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 a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
+Rs. 487/month (Rs.16/day) is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 38 years of age.
Prices offered by the insurer are as per the approved insurance plans | #All savings and online discounts are provided by insurers as per IRDAI approved insurance plans | Standard Terms and Conditions Apply | **Tax Benefits are subject to changes in tax laws.| Policybazaar Insurance Brokers Private Limited
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
For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale
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+Rs. 820/month is starting price for a 2 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 38 years of age.
+Rs. 1,443/month is starting price for a 5 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 38 years of age.
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