Over 1 Lakh Policyholders Earn Rewards as Aditya Birla Health Insurance’s HealthReturns™ Model Drives 350+ Billion Steps

Bengaluru, April 07, 2025: On the occasion of World Health Day, Aditya Birla Health Insurance Co. Ltd., (“ABHICL”), the health insurance arm of Aditya Birla Capital, India’s leading diversified financial services company, has announced that over 1 Lakh policyholders have benefited from their first-of-its-kind HealthReturns™ model for making healthier lifestyle choices and maintaining good heart health, monitored by its Healthy Heart Score™ in FY’25 (April 2024-March 2025).  The HealthReturns™ model essentially focuses on regular physical activity, with access to expert health guidance which helps deliver improved health outcomes for customers. This commitment to health is evident in their daily habits with customers having walked over 350 billion steps so far.

The Company is redefining the industry with its ‘Health – First’ approach, shifting from reactive coverage to proactive wellness and by integrating wellness and health management into its offerings. A core element of this initiative is Active Dayz™, which allows customers to earn HealthReturns™ by engaging in fitness activities such as walking 10,000 steps, burning 300 calories in a workout session. Policyholders who achieve 325 Active Dayz™ in a year and maintain a Green Healthy Heart Score™ can earn up to 100% of their annual premium amount back as HealthReturns™.

• In FY 25, Aditya Birla Health Insurance has conducted 3.8 lakh health assessments and has generated 18 lakh personalized Wellbeing Score™ (a dynamic ML-driven indicator of overall health and wellness status), helping customers take charge of their health.
• With a strong focus on preventive care, in the same period, 1 Lakh+ customers have undergone health coaching, while 1.6 Lakh+ have been offered health interventions.
• 81% of customers engaging with ABHICL’s preventive care ecosystem experienced better control of key health indicators such as HbA1C, blood sugar, cholesterol, and blood pressure, reinforcing ABHICL’s commitment to measurable health outcomes, in FY 25.

Mr. Mayank Bathwal, CEO, Aditya Birla Health Insurance said, “The role of health insurance is expanding beyond financial protection to becoming an enabler of proactive well-being. Customers today are increasingly prioritizing preventive care over just medical cost coverage, signalling a fundamental shift in expectations. At Aditya Birla Health Insurance, we have been at the forefront of integrating wellness and preventive care into health insurance. Our pioneering HealthReturns™ model not only incentivizes policyholders to adopt healthier lifestyles but also reinforces our commitment to driving a proactive, health-first approach to well-being. Our vision is to create a health-first ecosystem where policyholders are financially secure and empowered to lead healthier, longer lives.”

This differentiated model and the promise of 100% heath, 100% health insurance are offered via Activ Health App’s personalized engagement journey tailored to suit each user’s unique needs and behaviour. Since inception, Aditya Birla Health Insurance has pioneered a four-pronged approach that continues to shift the role of insurance from a reactive safety net to a proactive health partner:

1. Know Your Health – Customers have access to various insights through tools like Well-Being Score, Lifestyle Score, Digital Health Assessment and Mental Well-Being evaluations.
2. Improve Your Health – Customers have access to health tackers and health management services, including ABHICL’s network of health coaches, who have helped customers successfully improve or reverse chronic conditions through these services.
3. Get Rewarded – This aspect incentivizes customers to prioritize their well-being with benefits like HealthReturns™. By tracking Active Dayz™, engaging in fitness activities, and undergoing regular health check-ups, customers can unlock exclusive rewards that not only enhance their financial security but also encourage lifelong wellness.

iii.        Stay Protected – ABHICL offers comprehensive health insurance plans with industry-leading benefits like 100% coverage for non-medical expenses, no sub-limits on room rent, maternity cover, a sum insured multiplier, and more a sum insured multiplier, and more as per product terms and conditions.