Quick Overview
Most health insurance plans reward you for not making any claims. Aditya Birla Health Insurance takes it a step further by rewarding you for staying active and healthy through its HealthReturns program.
In this article, we cover what HealthReturns is, its key benefits, which plans offer it, and how to maximize your rewards.
What Is the HealthReturns Program in Aditya Birla Health Insurance?
HealthReturns is a simple built-in wellness rewards program that helps you earn money back on your premium based on how consistently you stay active. Here's how it works:
Step 1: Complete Your Health Assessment
After buying the policy, you book and complete a Health Assessment through Aditya Birla’s network, which generates your Healthy Heart Score, ranging from Red (needs improvement) to Amber to Green (healthy). The insurer bears this cost once each policy year.
Step 2: Earn Active Dayz
Each day you exercise counts as one Active Day. You earn one by completing either one of the following:
- Walking 10,000 steps for those under 60, but 7,500 steps for those aged 60+
- Burning 300 calories in a single workout
- Completing a 30-minute session at an affiliated gym
Step 3: Earn HealthReturns
Your rewards are calculated based on both the Active Dayz logged and your Healthy Heart Score. Hit 13+ Active Dayz a month, and you earn up to 30% back over the year. Reach 275 Active Dayz to get an additional 20%. Hit 325, and you get 50% more on top, bringing the total to 100%.
Source: Aditya Birla Activ One Policy Wording
Key Benefits of the HealthReturns Program
Real Money, Not Points
HealthReturns are credited as monetary rewards (not free cash, which can be used anywhere) and are not loyalty points, with confusing redemption rules. You can use them to pay your renewal premium, cover medical bills, or diagnostic tests and medicines in select plans.
Your Premium Actually Shrinks
Imagine your annual premium is ₹36,000. A 30% HealthReturns puts ₹10,800 back at renewal. At 50%, that is ₹18,000 saved on renewal premiums that you were going to pay anyway.
A Buffer When Coverage Runs Out
If your sum insured gets exhausted mid-year, your accumulated HealthReturns can cover additional medical costs. This is especially useful in the first few years when your bonus is still building.
Stacks With No Claim Bonus (NCB)
HealthReturns is separate from no-claim-based coverage growth benefits such as NCB or Super Credit. If you stay healthy and do not file a claim, your sum insured grows through NCB, while your effective premium cost shrinks through HealthReturns.
A Real-Life Story Worth Sharing
Health Insurance Plans That Offer HealthReturns
- Aditya Birla Activ One MAX plan and Activ One NXT offer HealthReturns up to 100%; require 325 Active Dayz in a policy year
- Other Activ One variants (VYTL, VIP, VIP+, SAVR, MAX+) all carry the same HealthReturns benefit
- Activ Health Platinum Enhanced offers up to 100% HealthReturns
Always check your specific policy wording for the applicable cap and conditions.
How to Maximize Rewards With HealthReturns
Do the Assessment Early
Complete the health assessment as soon as your policy is issued so your Healthy Heart Score starts counting from day one. A lot of people focus only on Active Dayz and forget that a Green Healthy Heart Score is equally required to unlock rewards.
Sync a Fitness Tracker
Link the Activ Health app to your smartwatch, fitness band, or phone's step counter so Active Dayz are tracked automatically. A brisk 45-60-minute walk usually hits 10,000 steps, and any workout that burns 300 calories, such as gym sessions, yoga, cycling, and dance, qualifies too.
Stay Consistent All Year
You need Active Dayz spread across the full policy year, not a burst in the last quarter. Aim for 13 Active Dayz every month, and think of it as a daily habit rather than a seasonal target.
Spend Rewards Throughout the Year
Do not wait until renewal to use your HealthReturns. Spend them on doctor visits, diagnostics, or medicines throughout the year to stretch your plan's value well beyond its base coverage.
Redeem at Renewal
Whatever credits remain at the end of the year, use them to offset your renewal premium before they expire. Remember that the reward amount is calculated based on your previous year's premium, not the renewed one, so factor that in if your premium has increased.
Why Choose Ditto for Health Insurance?
At Ditto, we’ve assisted over 8,00,000 customers with choosing the right insurance policy. Why customers like Pallavi below love us:
- No-Spam & No Salesmen
- Rated 4.9/5 on Google Reviews by 15,000+ happy customers
- Backed by Zerodha
- Dedicated Claim Support Team
- 100% Free Consultation
Confused about the right insurance? Speak to Ditto’s certified advisors for free, unbiased guidance. Book your call or chat on WhatsApp with us now!
Ditto's Take
HealthReturns is one of the most tangible wellness benefits in Indian health insurance right now. The rewards are real money, the program is straightforward to follow, and it genuinely nudges you toward healthier habits. A 100% return is also possible, but it requires a near-daily commitment throughout the year. For most people who stay consistently active, 10-50% back is the more realistic outcome, and that is still a meaningful saving.
That said, HealthReturns alone is not a reason to pick Aditya Birla Health Insurance. The most important factors to evaluate are claim settlement performance, the hospital network in your city, policy features like co-payment, room rent limits, disease-wise sub-limits, and whether the sum insured meets your needs.
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