Maintaining good health doesn't need any certified reason. Living a healthy life ensures the lesser risk of life, higher chances of elimination of critical diseases, big scope of avoiding health complications, and close to no medical bills. But there is one more benefit for living a healthy lifestyle i.e. Additional benefits from health insurance.

This may sound a bit strange because it should be considered as hidden gems of your health insurance policy that people are not much familiar with. The health insurance companies are now enticing customers to adopt healthy practices of living with some lucrative benefits designed in different forms such as rewards and discounts.

Digitization plays a crucial role in keeping a complete track of fitness regime and healthy lifestyles as almost all insurance companies have their mobile applications that also work as a tracker. Generally, the insurance companies rely on steps count or calories burned on a daily basis which are then accumulated during the renewal of the health insurance policy. In fact, policyholders can also maintain a track record of their health targets via the same application. It helps customers in gaining the maximum benefits of their wellness points and programs.

Here is the list of benefits to enjoy from wellness points.

Discounts on Renewal-

To convenience customers to adopt a healthy style of living, insurance companies are benefiting policyholders by offering them a percentage of discounts on their renewal of health insurance. There are different parameters designed by the insurance companies to measure healthy practices such as steps count via their mobile application. This gives year-long data to the insurance companies on the basis of which the percentage is decided and finally credited in the form of discounts. While this ensures the lesser chances of claim with the help of good health but it also helps in retaining clients with the insurance company for the next year.

Wellness Coach Support-

It becomes easy and simple when there is proper guidance offered by the health expert or a nutritionist. It helps in keeping an accurate tab and consistency in maintaining good health. Therefore, several insurance companies have their internal nutritionist or fitness coaches who help the customers in building healthy habits inclusive of diet and exercise under health programs. The healthy regime is then checked by their nutrition experts on the basis of which the policyholder is given benefits in health insurance that are pre-decided in the policy.

Reward Points-

Alongside, discounts and money-back options, health insurance companies serve their customers with different benefits such as discounts on annual medical checkups such as lab testings for regular health diagnosis, medical bills, facilities offered on network hospitals, OPD bills, and etc. Moreover, in order to further boost the penetration of a healthy style of living, insurance companies tie-up with various fitness centers such as gym, marathons, yoga centers, aerobic centers, etc. where policyholders can avail services in exchange for these reward points.

Second medical opinion-

At times, the policyholder plans to go for the second round of medical opinion in case of some serious ailment from a reliable source to gain more understanding about the treatment. In such scenarios, the insurance companies come forward to provide the facility of a second medical expert opinion free of cost from the reliable medical practitioner associated with the insurance company. To avail of this facility, the insured needs to communicate to the insurance company in advance to facilitate the service which requires prior scrutinizing of medical reports and booking an appointment.

As it is mandatory for the health insurance company to clearly mention all wellness benefits and programs that a health care policyholder is entitled to get as per the pre-defined guidelines stated by the insurance company. Thus, policyholders must read the wellness section to get complete knowledge and for the transparency of rules.

Nonetheless, these benefits do sound exciting to the customers but it is never advised to make the selection of the health insurance policy based on these benefits because the primary job of the health insurance plan is to provide health coverage against unexpected hospitalization and medical treatment. Therefore, it is must consider key features, diseases covered, sum insured amount, claim settlement ratio, and other important factors at the time of selecting a health insurance plan and health insurance company. Because the wellness points are secondary and they vary from company to company.