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Achieving Your New Year Health Resolutions Just Got Easier!

Globally, billions take up New Year resolutions. Most of these resolutions are health related, like losing 10 kg, going to the gym daily from now on, or having a healthy and low-calorie dinner every day.

Yet, only 5% people who take up health-related resolutions for the New Year ever achieve their goals. Do you want to be in this elite 5% group?

This article will go into how the Insurance industry, using a little help from fitness technology, has devised an ingenious way to keep you motivated to achieve all your health goals and stay away from lifestyle disorders.

In urban India, lifestyle disorders like stress-related heart disease, hypertension, high BP, and other comorbidities did not exist 30 years ago. In a short span of time, they have exploded on the scene and today lifestyle disorders have become the greatest cause of deaths in India, easily beating cancer and AIDS.

Lifestyle disorders are the bane of our existence in the current world scenario. Because of this, health is one of the assets you own that is in constant peril. However, we know that health is wealth. All the money you make cannot bring you joy if you do not enjoy good health.

Modern lifestyle, lack of physical exercise, unhealthy eating habits, and hectic schedules contribute to a number of diseases and health hazards. While changing one’s lifestyle drastically is not possible, taking small steps towards it is not only possible but also very necessary.

And while you work on improving your lifestyle and eating habits gradually, having a health back-up in the form of health insurance is always a good idea. As a mature householder, you must already be aware of why a health plan is a must-have in every urban salaried Indian’s financial planning:

  • Health plans cover large hospitalization costs in case of planned treatments, accidents, and even emergencies (road accidents, for example) in return for relatively affordable premiums. If you visit a network hospital, the treatment can even be cashless. This protects you and your family from the financial burden of expensive treatments.
  • Family floater plans allow you to cover the entire family under a single health plan for marginally higher premiums.
  • High-quality treatments with no compromises.
  • Tax benefits under Section 80(D).
  • Having a health plan ensures you are not fooled at hospitals with extra charges and unnecessary procedures.

Besides all these benefits, in an innovative step, insurance companies have launched health plans that reduce premiums by a factor of up to 30% when you achieve certain fitness milestones in your daily life. These milestones could be one or a combination of the following:

  • Completing a number of steps daily
  • Burning a set number of calories daily
  • Going to the gym a specific number of times a month

These plans allow you to save on premium expenses as long as you remain committed to your fitness regimen. Let’s briefly look at some actual plans (the list is not exhaustive):

Aditya Birla Activ Health

Aditya Birla Activ Health is a health plan designed to help you live a better lifestyle with good health. The plan works as a win-win situation for you because by finishing your health targets, you not only reduce your premium amounts but you also drastically reduce the chances of falling a victim to lifestyle disorders.

To get started, you are assigned an Active Age on giving a simple test. Next, the fitness of your heart is assessed. These two assessments are used to categorize you into one of the following groups:

  • Green: Low risk for heart disease
  • Amber: Moderate risk for heart disease
  • Red: High risk for heart disease

Then, depending on the number of days you can meet your fitness targets, you can save up to 30% on your monthly premiums. For example, if you are able to walk more than 10,000 steps (close to 1 hour) for more than 13 days in a month and you have a Green heart rating, your premium costs reduce by 30%.

The activities can be tracked through a number of modes – fitness bands, pedometers, an app on your cell phone, among others.

What’s more, if you are able to incorporate healthy eating habits and certain lifestyle changes suggested by the insurer, this plan gives you additional attractive rewards.

Note that the Aditya Birla Activ Health plan functions just like a generic health plan with all the usual advantages of a health plan, with added Activ Health benefits.

Apollo Munich Easy Health

The brochure for the Apollo Munich Easy Health plan starts with the tagline, “staying healthy and saving money are now just a walk away”. And it’s true. Every step you take once you have opted for this health plan is counted towards your StayActive benefits and you can earn up to 8% discount on renewal premiums (8% for a daily average of 10,000 steps).

A discount is offered at each monthly renewal if the insured member achieves the average step count target on the mobile application provided by the insurer. In an individual policy, the average step count would be calculated per adult member and in a floater policy, it would be an average of all adult members covered. Dependent children covered in individual or floater plans will not be considered for calculation of average steps.

Note that the Apollo Munich Easy Health plan functions just like a generic health plan with all the usual advantages of a health plan, with the added StayActiv benefits.

Are you ready to get-set-go? Your New Year 2019 health-centered resolutions just got so much more fun, interesting, and full of rewards!

If you require further assistance, feel free to contact us at 86559-86559 or send us an email at



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