Health and insurtech

Reward healthy habits with gift cards.

Gift cards for step goals, check-ups and wellness challenges. Insurers can keep rewards to health and fitness brands; wellness apps can offer all 500+.

The fact
17%

Health insurance premiums in India grew 17% in FY26 (April 2025 to March 2026) (IANS). IRDAI lets health insurers give reward points to policyholders who meet wellness goals, redeemable for health services and for gym, yoga, fitness and health-supplement vouchers (IRDAI circular, 4 Sep 2020).

Source: IANS, citing a BCG report · Published 18 Aug 2026 · Checked 13 Oct 2026

The problem

Wellness programmes
lose members

  • Members drift away

    Members join a wellness programme, then stop opening the app.

  • Rewards feel far away

    Points that only cut next year's premium feel far away.

  • Too many partners

    Running vouchers with many gyms, labs and pharmacies is slow work.

Use cases

Rewards for every
healthy habit

01

Wellness goals

A gift card for a 30-day step streak, a yearly check-up or a finished health assessment.

02

Points to spend

Members turn wellness points into gift cards from pharmacy, diagnostics and fitness brands.

03

Employee wellness

Wellness platforms reward employees for challenges with gift cards from 500+ brands.

Proof

What health apps
are seeing

₹40 lakh

Gift cards in 24 days

Members of one wellness app bought about ₹40 lakh of gift cards in 24 days.

2–5×

More transactions

Apps using Hubble's products have seen 2–5× more transactions from users of the Hubble rewards store.

30%

More finished challenges

One wellness app saw 30% more members finish a monthly challenge with gift card rewards.

4 in 10

Members redeem points

4 in 10 members of one insurer's wellness programme turn their points into gift cards.

How you integrate

The SDK store inside your app, limited to the categories you choose, or the API triggered by wellness events.

For insurers, rewards follow IRDAI's wellness and preventive features rules: points come from a filed wellness programme, never as an inducement to buy or renew a policy.

FAQ

Questions, answered

Can we limit rewards to health and fitness brands?
Yes. You choose the categories, such as pharmacy, diagnostics and fitness.
Do you work with insurers?
Yes, within IRDAI's wellness rules: rewards come from wellness points, not from buying a policy.
How are rewards delivered?
Instantly, in your app or by email.
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