Health Insurance Wellness Programs Details: Types, Benefits, and Providers

Wellness programs play an important role in our lives. It enhances the overall health benefits and guarantees the good health of individuals. If you are planning to purchase health insurance, always check the available wellness programs. 

These programs encourage people to change their behaviour by engaging in various healthy activities. You can also earn rewards from the available programs by participating. But, most of the insurance buyers don’t see the benefits of health insurance wellness programs. 

This post will discuss wellness programs, their benefits, how they work, and the right way to choose them based on your needs. So, let's discuss- 

Types of Health Insurance Wellness Programs

Many wellness programs are covered by your health insurance. All these programs are parts of your main health insurance plans, which you can choose according to your preference. The primary goal of all these programs is to enhance overall health. Let's see the common health insurance programs  -

• Fitness activities: Your wellness programs can occasionally have various sorts of fitness activities. These may include gym membership, yoga classes, and fitness challenges. All these activities are healthy for the participants to embrace to obtain good health.
• Preventative Care Services: Preventive care services are also a part of wellness programs. These are generally annual checkups, immunisations, cancer screenings, etc. All these help to prevent any severe diseases in the future. 
• Health Coaching: Another important part of wellness is health coaching services. This helps to promote self-awareness and personalised guidance according to your needs. 
• Smoking Cessation Programs: Smoking cessation programs play a major role in helping smokers quit smoking. It is also a part of wellness programs and helps to promote a healthy life by quitting tobacco.
• Weight Management Programs: Wellness programs also help to reduce unwanted weight. It decreases the chances of diseases related to obesity. These programs support healthy weight loss and help to achieve good health. 
• Stress Management: Stress management programs are also a part of wellness programs. It helps to reduce stress and improve mental health.

Benefits of Wellness Programs

Wellness programs offer many benefits. These promote a healthy lifestyle and help people get benefits from their health insurance plans. Let’s see the various benefits- 

1. Improve overall health

Wellness programs help detect diseases at an early stage. They promote prevention care to improve overall health.

2. Reduce healthcare costs

These programs reduce healthcare costs through preventative care services and fitness activities. You can also get more benefits by earning rewards and using those points to lower your premiums. Even fitness activities make you more fit and there will be less chance of getting sick quickly. All these will help to reduce overall healthcare costs.

3. Access more health-related programs

Wellness programs provide access to valuable resources like nutrition counselling and fitness programs. It helps to gain all the essential health knowledge to get good health. 

4. Enhance Quality of Life

Wellness programs work excellently to improve health conditions. These also help to reduce stress and enhance quality of life.

How Do Wellness Programs Work in Health Insurance?

Wellness programs are participation and reward-based programs. You can earn reward points through your participation. These points can be used for discounts on health-related activities. You can easily track it through the mobile app and use it to get benefits. 

Health Insurance Companies Offering Wellness Programs

Several health insurance companies provide wellness programs. These programs are parts of your main insurance and don't take any extra charge. Some health insurances are- 

• Aditya Birla: It focuses on preventive care and healthy living. It also provides live expert consultations and nutrition plans to its policyholders.
• Aetna: This company offers over 70 wellness programs like health coaching and fitness activities. All the programs provide good health benefits to you. You can choose according to your fitness goals. 
• Anthem: Anthem provides many wellness programs like mental health, healthy living, maternity support, etc. All these help to get good health.
• ICICI Lombard: It promotes some wellness programs that provide rewards for fitness activities. You can earn points through simple fitness activities like walking and exercising. You can also use these points to decrease your premium costs.
• Bajaj: It provides wellness programs like preventive care and fitness activities. You can also earn incentives for engaging in healthy activities.

Examples of Wellness Programs Activities

Wellness programs have some common activities related to health benefits. These activities are: 

• Fitness Challenges: Most wellness programs promote fitness challenges. You can earn rewards by completing and using these rewards in other fitness-related memberships. These challenges are a way to encourage people to stay fit. 
• Yoga Classes: Yoga classes offer lots of health benefits. Compared to other classes, this class is very flexible for the learner and assists them in getting relief from stress.
• Weight Loss Programs: Additionally, health insurance plans encourage weight loss programs. These programs assist in achieving the health-related objectives of attaining the right body weight.
• Health Screenings: Health screening also works well for promoting good health. It helps to maintain health standards and reduce the risk factors of severe illness.
• Nutrition Workshops: Another activity under the wellness program is the education of the people. They assist good health through the practice of proper health needs.

How Do You Choose the Right Wellness Programs? 

There are several factors to consider while choosing the right wellness program. The following factors:

1. Coverage and Benefits: Always check the available activities and benefits before choosing a wellness program. Choose the plan that provides good rewards or benefits.
2. Cost: Some wellness programs charge an additional fee. Always check what programs are included in the base plan.
3. Flexibility: Choose a plan that offers many wellness program options. It helps you to choose from various available options according to your personal preferences.
4. Accessibility: Checking accessibility is also important to use the benefits. Sometimes it is difficult to access the programs through mobile apps.
5. Reputation: Check customer reviews of wellness programs before choosing a plan. It will help you choose the best option.

These factors make an informed decision. All these help you choose the best health insurance wellness program that meets your needs.

If you need help choosing the right wellness programs, contact an InsuranceDekho relationship manager via email at support@insurancedekho.com or on call at +91-755 1196 989 to get complete guidance. 

FAQs

Ques 1. Why is wellness essential to insurance?

Ans. Insurance providers offer wellness programs to encourage healthy lifestyles. If you can take the necessary steps and maintain your overall health, you can live a healthy life. This way, insurance companies protect themselves from medical claims.

Ques 2. What is the difference between healthcare and wellness?

Ans. Health is a state of the body that is free from disease. Wellness indicates an overall balance of an individual's physical, social, emotional, and environmental well-being.

Ques 3. What is a wellness discount?

Ans. A wellness discount is a discount that you can get only after achieving the company's fitness goals. Some health plans offer up to 100% fitness discounts on renewal premiums.

Ques 4. What is a bonus in health insurance?

Ans. In health insurance, the NCB, or No claim bonus, is the bonus you can get on a claim-free year. You should pick a health insurance plan with the maximum No claim bonus for every claim-free year.