Health Insurance Wellness Service

Reward Programme

This Wellness program aims to motivate, incentivize and reward the healthy habits and efforts of the Insured person to improve their health and lifestyle. Therefore, we are providing redeemable points for participation in Healthy habits like Yoga, Gym Swimming, Diet plan, meditation, preventive checkups, disease management plan etc

The Wellness activities and max points are as below:

S.No	Activity	Max. Points/ Insured
1	Track your health Completion of Health Risk Assessment (online questionnaire) Undergoing Diagnostics/ Preventive Risk Assessment	100 750
2	Enrollment in Disease Management Program	200
3	Walk towards a healthy lifestyle (based on steps walked per day)	1000
4	Fitness activities Participation in Walkathon/Marathon Enrollment in fitness initiatives like Gym/Yoga/Swimming etc	100 200
5	Enrollment in Self-Care Plans like meditation/ diet plans	500

Redemption Of Reward Points

Insured person(s) is entitled to redeem, the total earned reward points, as follows:

1. Discount in Renewal Premium:

 

• A) Individual Policy:

  
  

  Earned reward points	Discount in Premium
  500	2.5%
  1000	5%
  1500	7.5%
  2000	10%
  2500	12.5%

• B) Family Floater Policy:

  
  

  Earned reward points	Discount in Premium
  1000	2.5%
  2000	5%
  3000	7.5%
  3500	10%
  4000	12.5%

2. Redeemable Vouchers following a renewal

• Each reward point will be equivalent to Rs. 0.50 and can be redeemed for an equivalent value of vouchers in multiples of 500 against membership in Fitness Centers and/or purchasing health supplements. 

• Reward points not redeemed in the given policy year, can be carried forward, provided the policy is renewed with us continuously.

• Insured will be able to view the accumulated reward points on the mobile app and website

Points Earned	Voucher Value (Rs.)
1000	500
2000	1000
3000	1500
4000	2000
5000	2500

Track your Health

 

 

A) Completion of Health Risk Assessment (HRA):

 

1. The Health Risk Assessment (HRA), is a questionnaire to be filled online by the Insured person(s), which acts as a tool for assessing the health and quality of life. It will enable us to help you review the lifestyle practices, which have an impact on your health condition.
2. The Insured needs to log into his/her account on either the application or the website www.iffcotokio.co.in and complete the HRA questionnaire. 
3. This can be undertaken once, anytime during the policy year.
4. On Completion of the online HRA questionnaire in the first month of policy year, the Insured person(s) earns 100 reward points or, 50 reward points is earned by the insured on completing HRA in the later months of policy year.

 

B) Preventive Risk Assessment:

 

For those showing additional commitment to the cause, we reward you with extra points for undergoing Diagnostic/ Preventive tests during the policy year. Insured person(s) can take these tests at any empaneled diagnostic center. The cost of these tests borne by Insured person(s) will be offered at a discounted price by our service provider, wherein Insured person(s) will earn following reward points

 

S. No.	Activity	Points
1	On submission of the report of a test, insured earns	75
2	If the result of a test is within the normal range, insured earns, per test report, additional	50
3	If the result of a test is not within the normal range, you may Enroll for Nutritional Consultation program through our app. This will provide the expert advice on the subject matter at an attractive price. On submitting the receipt of Nutritional Consultation, you will earn	50

 

List of tests under Preventive Risk Assessment: 

1. Lipid profile (Total cholesterol, HDL, LDL, Triglycerides, Total Cholesterol / HDL (Cholesterol Ratio)

2. Blood Sugar (Fasting Blood Sugar (FBS) + Postprandial (PP) [or] HbA1c)]

3. CBC including ESR

4. Thyroid Profile

5. Liver Profile

6. Prostate-specific antigen (PSA) test/Mammogram

 

C) The receipt of these Test Reports/ Nutritional Consultation need be submitted within 30 days from the date of undergoing the Health Check-Up/ Nutritional Consultation.

Walk towards a healthy lifestyle:

1. Insured person(s) earns reward points on achieving the targeted step counts. This is recorded by our IFFCO-Tokio mobile application as mentioned below:

    

   Average no. of steps per day in a policy year	Points
   2500-4000	200
   4001-6000	350
   6001-8000	500
   8000-10000	750
   10001 & above	1000

   
   

2. The steps for the last 2 months, in each policy year, will not be taken into consideration for calculation of average number of steps per day.

3. The mobile app must be downloaded within 30 days of the Commencement of the Policy, to avail of this   benefit.

4. Dependent children below 18 years of age, covered either under individual or floater policy, will not be considered for participation under this scheme.

Fitness activities

 

Insured person(s) earns reward points, for participation and completion, in any of the fitness and health related activities as given below:

 

S.No	Activity	Points
1	On submission of Photo/BIB number /Certificates /Entry ticket, taken to participate in the fitness events such as any walkathon, marathon, cyclothon	100
2	Membership in a health club (for at least a minimum period of 3 months) - Membership in a health club in a Gym / Yoga Centre / Aerobic Exercise / Zumba Classes/ Swimming / Dance Classes / Sports Club / Pilates Classes / Martial Arts / Gymnastics	200

 

The Gym/ Yoga Centre/ Aerobic Exercise/ Zumba Classes/ Swimming / Dance Classes / Sports Club / Pilates Classes / Martial Arts / Gymnastics and companies organizing these fitness activities, required to be legally registered as per rules and regulations as applicable by law.

Self-Care Programs

1. Insured person(s) Enrolling in Self-care Programs such as meditation sessions, coaching/counselling, either offline or online, can earn 50 reward points for each programme, subject to a maximum of 10 programs.

2. Insured person(s) has to submit the relevant receipt within 30 days of Enrollment.

 

For Family Floater policies, the weightage of the points earned by the members shall be as below:

 

Family members	Weightage
Primary Member	75%
Spouse	50%
Dependent Children (aged above 18 years)	25%
Other relatives covered in the Policy	20%

Terms and conditions under wellness services

 

1. Any information provided by the Insured person(s) in this regard shall be kept confidential.

2. All medical services shall be provided by our empaneled health care service providers. While we ensure full due diligence before empanelment of the service provider, the decision to obtain their advices/services and utilize them, is entirely at the Insured person(s) discretion. The costs are to be borne by the insured.

3. There will not be any cash redemption against the Wellness reward points.

4. Reward points can be redeemed once at the time of renewal (for discounts in premium) or following a renewal (for vouchers). Balance of the reward points not redeemed will be carried forward to the next policy cycle.

5. Insured person(s) has to notify and submit relevant documents, reports, receipts etc. for various Wellness activities within 30 days of undertaking such activity/tests and 60 days before the renewal date of the policy, whichever is earlier.

6. For services that are provided through empaneled service provider, IFFCO-Tokio GIC is only acting as a facilitator.

Downloads

Download Forms

• Policy Wording IHP
• Policy Wording FHP