7 months ago
Aviva Launches Smart Vital Health Plan
Aviva India has introduced a new health insurance plan called Smart Vital.
This plan gives money if you get very sick with one of 49 serious illnesses.
You can get up to Rs 20 lakhs, and if you walk a lot, you can earn extra money to increase your coverage.
The plan comes with an app to track your steps and a free smart ring to monitor your activity.
You can use the money for medical bills, replacing lost income, or other needs.
The plan is for people aged 20 to 50 and lasts for 10, 15, or 20 years.
Aviva wants to help people stay healthy and be ready for unexpected medical costs.
Aviva India launched the Smart Vital health insurance plan offering coverage for 49 critical illnesses.
Base sum insured starts at Rs 10 lakhs, enhanceable up to 2x through wellness rewards.
Policyholders earn quarterly wellness additions based on their average daily steps.
The plan includes a smart tracking device (Loop by CarePlix X Smart Ring) for those with Rs 15 or Rs 20 lakhs base sum insured.
The lump-sum payout can be used for medical expenses, income replacement, or other financial needs.
- Who
- Aviva India, a private life insurance company
- What
- Launched the Aviva Smart Vital health insurance plan
- Where
- New Delhi, India
- When
- January 7
- Why
- To provide comprehensive protection against critical illnesses with wellness rewards
Key facts
- Plan Name
- Aviva Smart Vital
- Base Sum Insured
- Rs 10 lakhs (enhanceable up to 2x)
- Wellness Rewards
- 2.5%, 5%, or 7.5% quarterly additions based on steps
- Critical Illnesses Covered
- 49 conditions including cancer, kidney failure, and heart ailments
- Tracking Device
- Loop by CarePlix X Smart Ring (for Rs 15/20 lakhs plans)
- Eligibility Age
- 20-50 years
- Policy Terms
- 10, 15, or 20 years
- Tax Benefits
- Premiums eligible for tax deductions
Quotes
Asit Rath
CEO & MD, Aviva India
“Insurance is no longer just about protection; it must also empower people to live healthier lives. With lifestyle-related illnesses on the rise, the need for financial preparedness combined with proactive wellness has never been greater. Aviva Smart Vitals is a pioneering solution that addresses this shift by offering comprehensive critical illness cover along with wellness-linked rewards that encourage positive lifestyle choices. It reflects our commitment to innovation, customer-centricity, and building financial resilience for families across India.”
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Ajai Kumar Tripathi
Appointed Actuary & Product Head, Aviva India
“Our product design process always begins with a deep understanding of evolving customer needs. Aviva Smart Vitals is the outcome of this approach — combining comprehensive critical illness protection with wellness-linked rewards, it brings together financial security and proactive health management to deliver more meaningful value to our customers in today’s context.”
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Subhbrata Paul
Founder, Careplix
“Our collaboration with Aviva marks a transformative step in making preventive health accessible to everyday consumers. With the CarePlix Ring, users now receive continuous, clinically relevant wellness insights that help them detect risks early, build healthier habits, and take charge of their long-term wellbeing. By integrating real-time health intelligence with a strong protection framework, Aviva Smart Vitals redefines how Indians experience insurance–shifting it from a reactive product to a proactive partner in their health journey. We are proud to work with Aviva in shaping a future where wellness and protection go hand-in-hand to empower millions of families.”
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