Aviva India has announced the launch of Aviva Smart Vitals, a first-of-its-kind individual non-linked, non-participating fixed benefit health plan designed to provide financial protection against critical illnesses while promoting healthy living. The plan offers a base sum insured starting from Rs 10 lakh, with options of Rs 15 lakh and Rs 20 lakh. Policyholders can enhance their coverage up to twice the base sum assured through quarterly wellness-linked rewards of 2.5%, 5% or 7.5%, based on average daily steps tracked via Aviva’s Wellness360 App. The plan pays a lump-sum benefit on first diagnosis of any one of 49 listed critical illnesses, including cancer, kidney failure, heart ailments, stroke and major surgeries.
Unlike traditional Mediclaim policies that reimburse hospital bills, Smart Vitals provides a fixed payout that can be used for treatment, recovery, income replacement or other family needs. Customers opting for Rs 15 lakh or Rs 20 lakh cover also receive a smart health tracking device, Loop by CarePlix X Smart Ring, at no additional cost.
Commenting on the launch, Asit Rath, CEO and MD, said the product combines protection with proactive wellness at a time when lifestyle-related illnesses are rising. Ajai Kumar Tripathi said the plan reflects evolving customer needs by integrating health management with financial security. In Guwahati, insurance advisors say there is growing demand for critical illness and fixed benefit plans as awareness around health risks increases in urban Assam. Wellness-linked products are also gaining traction among younger, salaried customers in Guwahati who are looking for long-term protection with predictable premiums and added lifestyle benefits. The launch aligns with Aviva India’s customer-centric approach and supports IRDAI’s vision of ‘Insurance for All by 2047’.