Aditya Birla Health Insurance Company Limited (ABHICL), the health insurance arm of Aditya Birla Capital, has launched “Activ Yuva”, a new wellness-focused health insurance plan aimed at addressing the changing lifestyle and healthcare needs of young Indians.
The newly launched plan seeks to redefine the role of health insurance by moving beyond traditional claim-based coverage and integrating wellness, preventive healthcare and healthy lifestyle rewards into everyday life. As part of the initiative, the company has introduced a comprehensive wellness programme built around its existing HealthReturns™️ model, which rewards policyholders for maintaining healthy habits related to nutrition, fitness and recovery.
According to the company, ABHICL’s HealthReturns™️ programme encourages customers to adopt healthier lifestyles through activities such as walking more than 10,000 steps a day or burning at least 300 calories in a single workout session. Policyholders maintaining consistent activity levels along with a strong Healthy Heart Score™️ can earn back up to 100 per cent of their annual premium.
The newly introduced Activ Yuva plan expands this concept further through a broader behaviour-linked rewards programme based on three core pillars — Eat, Move and Heal. Under the programme, customers meeting the minimum Active Dayz™️ criteria can earn additional rewards for maintaining balanced nutrition, regular physical activity and proper sleep patterns.
Users who log two meals daily for at least 21 days in a month through the mobile application can receive a 10 per cent boost in their monthly HealthReturns™️ benefits. Similarly, customers maintaining an average of more than 7,500 steps or burning 250 calories regularly can earn additional Active Dayz™️ benefits each month. The plan also rewards healthy sleep habits, with users maintaining seven to eight hours of sleep for 21 days in a month becoming eligible for up to a 15 per cent increase in monthly HealthReturns™️.
Speaking on the launch in Guwahati, Aditya Birla Health Insurance CEO Mayank Bathwal said health insurance must evolve alongside changing consumer lifestyles and wellness habits. He noted that younger consumers today increasingly invest in their health and wellbeing as part of their everyday routine, creating opportunities to make insurance more meaningful and relevant in daily life.
Bathwal said the company’s experience over the past decade has shown that the future growth of health insurance will depend not only on responding to medical emergencies and claims, but also on remaining connected with customers throughout their health journey. He added that Activ Yuva has been designed to make health insurance an active and engaging part of everyday life rather than a product used only during emergencies.
The company stated that changing consumer attitudes towards health and wellness are driving demand for more proactive and flexible insurance solutions. Activ Yuva aims to bridge this gap by linking everyday healthy behaviour with tangible financial and wellness benefits, making health insurance more interactive, personalised and rewarding for young consumers.
