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Mayank Bathwal, the CEO of Aditya Birla Health Insurance, recently interacted with RJ Jeeturaaj of 98.3 FM Radio Mirchi. During this interaction, Mayank mainly talked about how diabetes can be effectively managed by adopting a healthy lifestyle and how new-age insurance solutions can be beneficial. He also shed some light on the common misnomers around diabetes.

Here are some excerpts:

1. How does health insurance support the health of individuals with diabetes?

Mayank: As a health insurance company, we aim to build a symbiotic relationship encouraging people with diabetes to lead an active and healthy lifestyle. We take immense pride in having pioneered this model of health insurance that transcends the boundaries of an indemnity-based model by focusing on proactive health care for our customers. While diabetes cannot be treated completely, it can be managed by incorporating healthy lifestyle habits like consulting healthcare professionals regularly, walking 10,000 steps daily, eating a balanced diet, and having a sound sleep cycle. An active lifestyle can always help you push yourself towards leading a healthy life.

2. How does Aditya Birla Health Insurance help people with diabetes and prediabetes?

Mayank: Apart from routine hospitalization expenses, our existing health insurance plans for diabetes and other critical illnesses offer several additional benefits, like covering overseas treatment costs, doctor consultations, HbA1C and other medical tests, and medicinal expenses for people with diabetes and prediabetes. We also offer health coaching services to customers who have critical illness like diabetes. Our in-house team of health coaches, comprising of MBBS Doctors, Physiotherapist, Nutritionist & Clinical Psychologist, employ motivational interview techniques to encourage healthy behavior. We don’t wait for members to reach out; we reach out to them. This proactive approach demonstrates our commitment to their well-being.

3. What are some of the existing health insurance policies covering diabetes?

Mayank: Our health insurance has an expansive coverage of diabetes. For instance, our critical illness product covers all four major health conditions, including Asthma, Blood pressure, Cholesterol, and Diabetes (ABCD). This health insurance product also reimburses you for all your medical tests, doctor consultations, and treatment fees for these conditions.

We have recently launched Activ One, a simplified, comprehensive insurance product offering customers a one-stop solution for their health insurance needs. It is designed to cater to the varied needs of consumers at different stages of life, encompassing health considerations and the challenges posed by chronic ailments. Our objective is to provide a holistic health insurance solution that adapts to the dynamic requirements of individuals.

Loaded with industry-leading features such as 100% HealthReturns, No capping on expenses, No Sub-Limits on any hospitalization expenses, Super Reload and Super Credit, Activ One is ABHI’s most comprehensive product yet.

This apart, the policy has chronic care cover, which provides Day 1 cover (zero waiting period) to people with seven chronic conditions such as Asthma, High Blood Pressure, High Cholesterol, Diabetes, Chronic Obstructive Pulmonary Disease, Obesity and Coronary Artery Disease (PTCA done prior to 1 year).

Responding to the changing societal norms, we have extended our coverage for live-in partners irrespective of the gender and the LGBT community to make it the most inclusive health product in the country.

4. How do you boost your overall well-being?

Mayank: Since its inception in 2015, incentivized wellness has been the primary focus for Aditya Birla Health Insurance and its offerings are based on its philosophy of “Empowering people to lead healthier lives”.

Our primary focus is to help our customers with cutting-edge innovative health-first insurance solutions which not only protect them from medical uncertainties but nudge them to live a health-focussed life. Through different initiatives we encourage people to prioritise their health by engaging in simple yet effective physical activities such as walking 10,000 steps daily.

One of the unique propositions of ABHICL has been the concept of HealthReturns™, which incentivizes policyholders for staying fit and adopting healthy lifestyle changes.

This concept enables a policyholder to earn

up to 100% of their premium as HealthReturns™, which can be accrued on the basis of Healthy Heart Score™, the fitness assessment result and the number of Active Dayz™ recorded on a monthly basis.

A customer can earn “Active Dayz™ by undertaking any prescribed fitness activities like, walking 10,000 steps, or by burning 300 calories by undertaking regular exercise, yoga sessions etc. Funds earned as HealthReturns™ can be used for payment of renewal premiums and other non-medical expenses, out-patient expenses etc.

5. What is the importance of regular health checkups?

Mayank: Regular doctor visits can help you manage diabetes and incorporate healthy habits. It is recommended to get at least one complete health checkup every year to prevent certain silent health symptoms that may indicate diabetes, cancer, heart strokes, and brain strokes.

To hear and learn more about diabetes management and Aditya Birla Health Insurance, click here to check the entire episode! And always remember, a healthy mind is a wealthy mind.

Stay tuned to the Activ Living Community. Keep up to date with the latest health tips and trends through expert videos, podcasts, articles, and much more in nutrition, fitness, mindfulness, and lifestyle conditions like Asthma, Blood Pressure, Cholesterol, and Diabetes. Activ Living ke saath sahi sehat ki shuruaat ABHIkaro.

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