Quick Overview
For years, term insurance had just one role: to pay a lump sum to your family if you weren’t around. That core promise hasn’t changed. What has evolved is how insurers are trying to make term plans useful while you’re alive. Many modern term plans now bundle health management services (HMS) with their plans. These services sit outside the insurance contract, and they don’t pay hospital bills or reimburse OPD expenses (unless a limited wallet is explicitly offered).
At Ditto, we’ve reviewed hundreds of policy wordings across dozens of insurers to separate substance from marketing. In this article, we break down how HMS actually works and compare the most comprehensive health management services offered by popular term insurers in a clear, practical table.
Health Management Services Offered with Term Plan in India
Common Health Management Services Offered with Term Plans in India
Teleconsultations
Most plans offer doctor access through teleconsultations, allowing policyholders to speak to general physicians and, in many cases, specialists via voice, video, or chat. Some insurers provide unlimited consultations, while others cap the number of sessions.
Preventive Care
Many term plans include preventive and diagnostic support such as annual or periodic health check-ups, basic screenings, and health risk assessments. A few insurers extend this further with gender-specific benefits, such as cancer screening vouchers or women-focused preventive tests.
Lifestyle Support
Lifestyle and mental wellness services are increasingly common. These typically include access to nutritionists, diet and fitness coaching, psychologist consultations, guided yoga or meditation sessions, and content around stress management, de-addiction, and overall wellbeing. In most cases, these services are meant to encourage healthier habits rather than provide treatment.
Care Coordination
Some insurers go a step further by offering care coordination and case management, especially for serious or complex illnesses. This may involve medical second opinions, support from a personal medical case manager, and assistance with booking diagnostics, pharmacies, or ambulances. While coordination is usually included, the actual cost of treatment or services is often borne by the policyholder.
Digital Health Tools
Almost all health management programs rely on digital health tools. These include online health vaults to store medical records and prescriptions, wearable or device integration to track vitals, and reminder systems for medicines, follow-ups, or appointments. These tools are designed for convenience and continuity rather than clinical decision-making.
Importance of Health Management Services Offered with Term Plans
Health management services are offered with term plans for the following reasons:
- Health management services add lifetime relevance to term insurance by offering tangible benefits while you are alive, even if no claim is ever made.
- Preventive check-ups, early consultations, and mental health access can help detect health issues sooner, reducing the risk of severe and costly complications later.
- During serious illnesses, care navigation, second opinions, and case management reduce confusion and help policyholders make timely, informed medical decisions.
- Access to mental health support lowers barriers to care, especially for younger policyholders who increasingly prioritise emotional and psychological wellbeing.
- Insurers also use health management services as a differentiation and engagement tool, helping their term plans stand out in a competitive market and improving long-term customer retention.
Why Choose Ditto for Term Insurance?
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Ditto’s Take
Health management services can make term insurance feel more relevant in everyday life, but they should never be the deciding factor while choosing a policy. Their scope, continuity, and quality vary widely across insurers, and real protection still comes from reliable claims settlement, fair underwriting, and sustainable pricing.
When we spoke to our operations team, early adoption of these services appeared slow, something we expect to improve as awareness grows. HMS works best as a complement to a strong core term plan, not a substitute for sound fundamentals.
If you’re in the process of making up your mind about choosing the perfect term insurance plan for you, you can refer to the linked blog about the best term insurance plans in 2025.
Frequently Asked Questions
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