Aditya Birla Health Insurance reports lower loss ratios for earners

Aditya Birla Health Insurance (ABHI) reported that eligible customers earning Health Returns had a 6%+ lower loss ratio and 12%+ better persistency than non-earners in the 12 months rolling to September 2026. ABHI also showed its most active customer cohort at a loss-ratio index of 77 and a persistency index of 124, against non-earner indices of 100.

How does ABHI compare Health Returns earners with non-earners?

ABHI says Health Returns earners recorded an absolute loss-ratio difference of more than 6% and a persistency difference of more than 12% versus non-earners as of September 2026. Health Returns are health-behaviour-based incentives, and the comparison is measured on a rolling 12-month basis. The presentation does not disclose the underlying unindexed loss ratios or persistency rates for the two broad groups.

The reported cohort was a minority share of eligible customers. ABHI said 12.7% of eligible customers earned Health Returns in year to date September 2026, compared with 11.25% in March 2026 and 9.4% in September 2025. Its footnote describes the Health Returns figure as an average from April 2026 to date, while related Health Assessments, digital health assessments, Activ Dayz and Health Returns measures use 12-month rolling data as of September 2026 with a one-month lag.

The comparison shows differing claims and renewal outcomes between cohorts, rather than demonstrating in the presentation that incentives alone caused either result. ABHI nevertheless presents the result as an outcome of its health-first model, which combines assessment, health interventions and rewards.

What do ABHI's active-day cohorts show about claims and renewal?

ABHI's indexed data show lower loss-ratio readings and higher persistency readings as monthly active days rise. The presentation uses Health Returns non-earners as the 100 index baseline for both measures in September 2026, so the figures show relative cohort outcomes rather than disclosed standalone insurance ratios.

The 13-and-above active-day cohort had a loss-ratio index of 77, 23 points below the non-earner baseline, while its persistency index was 124, 24 points above it. The intermediate groups show a more gradual pattern: 4 to 9 active days had indices of 99 and 115, and 10 to 12 active days had 97 and 117. ABHI labels the loss-ratio measure as indexed to a base of lives over 12 months rolling.

ABHI also reported a separate health-risk-management outcome. It said it had intervened in more than 3.7 lakh lives and that high-risk customers who were intervened with had a roughly 16.69% better loss ratio than high-risk customers who were not intervened with. That comparison is narrower than the Health Returns result because it specifically contrasts high-risk intervention cohorts.

How large is ABHI's wellness and digital engagement base?

ABHI's wellness funnel expanded between September 2025 and September 2026. Health assessments rose to more than 8.3 lakh in September 2026 from more than 6.6 lakh in March 2026 and more than 4.17 lakh a year earlier. Lives intervened increased to more than 3.7 lakh from more than 2.7 lakh in March 2026 and more than 1.8 lakh in September 2025.

ABHI also reported more than 31.7 lakh risk-stratification wellbeing scores generated and more than 6.1 lakh customers engaged in the wellbeing-score journey as of September 2026. More than 2.69 lakh customers had earned Health Returns, while more than 15,500 customers had earned a 100% Health Return. ABHI said 35.61%+ of customers had been administered a health assessment or digital health assessment, and 16.77% of eligible customers were earning Activ Dayz.

ABHI's Activ Health App provides the engagement mechanisms behind those measures, including Eat, Move and Heal trackers, food scanning, sleep tracking, teleconsultation, health coaching and personalised diet charts. In the first half, the app recorded more than 18.4 lakh lifestyle scores and 415 billion steps, while health-assessment utilisation increased 94% year on year. The presentation compares the first half of financial year 2026 with the first half of financial year 2027 for that growth figure.

How is ABHI connecting app engagement to insurance operations?

ABHI is connecting app use with acquisition, servicing, wellness and renewal processes rather than presenting the app solely as a fitness tool. The Activ Health App had a 4.6-star Play Store rating, more than 50 partner integrations and more than 100 application programming interface integrations. It also offered a My Family function for tracking family members, alongside personalised nudges and Health Returns of up to 100%.

In the first half, ABHI reported more than 61 lakh downloads to date, more than 7.3 lakh monthly active users and 70% returning users. Engagement time was 74 minutes per user each month, with 6.67 sessions per user per month. Within Activ Yuva, roughly 21% logged meals, about 16% recorded Activ Dayz and about 12% logged sleep, showing different uptake across the app's Eat, Move and Heal activities.

The operating link to retention is explicit in ABHI's digital plan. It reported 89% digital renewals and 55% do-it-yourself renewals, while its stated initiatives include app-based nudges intended to improve renewal propensity and simplified renewal journeys. ABHI also lists voice-artificial-intelligence calling to nudge customers to earn Activ Dayz, machine-learning health-risk scoring and an artificial-intelligence-enabled chronic-care management programme.

Conclusion

ABHI's presentation shows that its incentive earners and more active app cohorts had better reported claims and retention indicators than non-earners in the September 2026 rolling period. The strongest cohort comparison is the 77 loss-ratio index and 124 persistency index for customers with at least 13 monthly active days, against the non-earner baseline of 100, alongside the broader 6%+ and 12%+ differences cited for Health Returns earners.

What to watch next is whether ABHI's plan to use app nudges, digital renewals, health-risk scoring and voice-artificial-intelligence outreach increases the share of eligible customers earning rewards beyond 12.7%. The presentation identifies these operating tools and records more than 3.7 lakh intervened lives, but it does not set a future target for loss ratios, persistency or Health Returns participation.