Aditya Birla Health Insurance is leveraging wellness incentives to reshape its business model and improve profitability.

Aditya Birla Health Insurance is leveraging wellness incentives to reshape its business model and improve profitability. The insurer rewards healthier customers, encourages behavioral consistency among moderate-risk groups, and provides support to high-risk policyholders. This strategy directly lowers claims ratios, reducing the need for aggressive premium increases. The approach is delivering results: the company grew gross written premiums 39% year-on-year to 6,855 crore in FY26, outpacing industry growth of 15.4%. Market share among standalone health insurers expanded to 13.7%, up 110 basis points annually. Net profit reached 3,764 crore, up 13% year-on-year. GST removal on health insurance in September 2025 further supported growth, with customers increasing sum assured by 15-20% on average rather than seeking lower premiums.