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Wellness Programs: Ensure financial and physical well-being

In today's times, when critical illnesses and medical inflation are on the rise, a wellness program comes as a relief for policyholders. Read on to understand wellness programs and their benefits.

  • 17 Nov 2020
  • min read

In today's times, when critical illnesses and medical inflation are on the rise, a wellness program comes as a relief for policyholders. Read on to understand wellness programs and their benefits.

What is a wellness program?

ICICI Lombard General Insurance offers wellness program along with your health insurance policy or super top-up plan. Through it, you, as a policyholder, are rewarded with wellness points for keeping yourself hale and hearty by pursuing any of the activities covered. These points can be redeemed later as per the redemption terms and conditions, subject to a maximum.

Why should I opt for a wellness program with my health insurance policy?

According to a recent report published by the World Health Organisation (WHO), the probability of death in India from the four major non-communicable diseases – cancer, cardiovascular, chronic respiratory,and diabetes,is 26% for individuals aged 30-70 years. Let us have a look at the probable underlying causes:

Diseases Causes
Cardiovascular Tobacco and alcohol abuse, sedentary lifestyle, unhealthy diet
Chronic Respiratory Genetic, environmental – tobacco abuse, indoor and outdoor air pollution, occupational exposure
Diabetes Heredity, age (chances increases with age), obesity, poor diet, stress, certain infections, etc.
Cancer Heredity, tobacco and alcohol abuse, poor diet, obesity, infections, radiation, stress, sedentary lifestyle, environmental pollutants

As evident, these four diseases can be prevented or controlled with a small yet significant change in lifestyle. While diseases caused by heredity, radiation and infections are not avoidable after a certain extent, tobacco use and sedentary lifestyle should be controlled to ensure a long and healthy life.

What are the benefits of a wellness program?

You can avail the following benefits with a wellness program:

  • Healthy mind and body: Wellness programs can be either lifestyle or disease centric. Lifestyle-centric approach mainly focuses on preventive care and good practices, such as membership to yoga or gym.
    • On the other hand, disease management helps individuals cope with pre-existing and chronic diseases. It also focuses on prevention of further complications through procedures such as periodic heart screening.
  • Discounts on your premiums: Some insurance companies offer redemption of points for the medical expenses not covered in your base policy. It may include dental procedures, consultation fees, prescription medicine, diagnostic charges, dietician and nutritionist counselling, etc., which can be a welcome relief from therising medical costs.

How can I earn wellness points?

Follow the three-step process below:

  • Step 1: Participate in any of the activities listed in thewellness program
  • Step 2:Collect all original bills and receipts of the activities you intend to redeem the points for
  • Step 3: Send these receipts to us along with the duly-filled submission form toICICI Lombard Health Care, ICICI Bank tower, Plot No. 12, Financial District, Nanakramguda, Gachibowli, Hyderabad-5000032.

Once your form is received, we will send a confirmation with the details of your accumulated wellness points.

You can also check your wellness points by:

  • Calling us at our toll free number 1800266
  • Emailing us at
  • Logging on to the claims & wellness management portal

We also send the information of your total wellness points to your registered email address once every three months for added convenience.

How can I redeem my wellness points?

Each wellness point is equivalent to ₹0.25. With a wellness program, you will be eligible to receive reimbursement of miscellaneous medical expenses not covered in your policy such as:

  • Consultation charges
  • Medicine and drugs
  • Diagnostic expenses
  • Dental expenses
  • Wellness and preventive care

The process for redemption is simple and very similar to registering your earned wellness points:

  • Step 1: Collect all original bills of medicines, consultations, and expenses of which you would like to claim for.
  • Step 2: Send these along with the test reports if any, and the redemption form to:
    ICICI Lombard Health Care, ICICI Bank tower, Plot No. 12, Financial District, Nanakramguda, Gachibowli, Hyderabad-5000032
  • Step 3: We will intimate you once documents are received and keep you updated of the status via email.

To track the status yourself, you can:

  • Call our toll free no. 18002666 or
  • Check 'Track your claims' section of the Claims & Wellness management portal of our website. Next, enter your Claim No. or AL No. and press the search button.
  • Mail to to put up an enquiry

Which activities are covered under ICICI Lombard's Wellness Program?

The wellness points for each activity for which you can claim reimbursement are listed below:

Sr. No. Activity Points accumulated per insured Maximum points accumulated per floater policy
1 Health Risk Assessment (HRA) 250 500
2 Medical Risk Assessment (MRA)* 1000 2000
3 Heart-related screening tests for ages above 45 years(under PRA**) 500 500
4 HbA1c/Complete lipid profile for any age(under PRA) 500 500
5 PAP smear for females aged 45 years and above (under PRA) 500 500
6 Mammogram for females aged 45 years and above (under PRA) 500 500
7 Prostate Specific Antigen (PSA) for malesaged 45 years and above (under PRA) 500 500
8 Any other test as suggested by our empanelled medical expert (under PRA) 500 500
9 Gym/Yoga membership for 1 year 2500 2500
10 Participation in professional sporting events like marathon/ cyclothon/ swimathon, etc. 2500 2500
11 Participation in any other health and fitness activity / event organised by us 2500 2500
12 Quit smoking- based on self-declaration 100 100
13 Share your fitness success story 100 100
14 On winning any health quiz organised by us 100 100

Also read:

You can earn maximum 5000 wellness points on individual basis and 10,000 points per floater policy for the activities 9,10, 11 combined together.

Note: *Under MRA from second year onwards, if tests are within normal limits, 1000/2000 points will be awarded.

**PRA stands for Preventive Risk Assessment

For HRA and MRA, you do not need to submit any form or documents as the points earned under those categories will automatically be updated against the policy.

The ICICI Lombard Advantage

ICICI Lombard offers such Wellness Programs along with a comprehensive health insurance plan and with a super top-up. It features multiple incentives and rewards you for staying fit by allocation of wellness points. These wellness points can be a boon in times of need and help you cope with expenses not covered in your base policy.

What's more, we also provide you with periodic updates about your wellness points and end-to-end support from understanding your policy to redemption of points. So, you can be rest assured that you and your family can enjoy a healthy life without having to worry about out-of-pocket medical expenses.

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