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About Aviva Smart Vitals
We all begin our fitness journey with enthusiasm — committing to exercise, eating right, and living better. Yet over time, motivation fades, and our health goals take a backseat. But what if your motivation never had to fade? What if it could become a routine that not only keeps you healthy but also secures your financial tomorrow?
That’s where Aviva Smart Vitals comes in. More than just a health plan, it’s a partner in your wellness journey — rewarding your active lifestyle while safeguarding you against life’s uncertainties. With coverage against 49 critical illnesses, a Lump sum payout upon first occurrence, and the power to double your sum insured through step tracking on the Wellness360 app, this plan makes every move count. Add to that wellness addition, uniform premiums, and a quicker 15-day survival period for claims, and you get a health insurance solution that truly grows as you do.
Unique Features of Aviva Smart Vitals
Double Sum
Insured
Smart Tracking Device
Access to Wellness360 App
Short Survival Period
Lumpsum Payout on Detection
Premium Remains Constant
Extra Coverage for Staying Active
Aviva Smart Vitals rewards you for walking regularly. If you walk daily, your coverage increases every quarter.
| Average steps per day in a quarter | Wellness additions per quarter as % of the Base Sum Insured |
|---|---|
| Less than 5,000 | No extra benefit |
| 5,000 to 8,000 steps | 2.5% of Base Sum Insured |
| 8,001 to 12,000 steps | 5.0% of Base Sum Insured |
| More than 12,000 steps | 7.5% of Base Sum Insured |
Note: The increase in your sum insured is based only on the average steps you achieve per day in a quarter. The percentage shown (2.5%, 5%, or 7.5%) is a single benefit applied according to your step range. It is not added together across different step ranges. For example: If you walk more than 12,000 steps a day on average in a quarter, your sum insured will increase by 7.5% only, not 7.5% + 5% + 2.5%.
How it Works?
Stride Towards Bigger Benefits
01
Buy your policy and get it issued after a quick risk check
02
Your complementary Smart Tracking Device arrives at your doorstep within 30 working days.
03
Activate Aviva Wellness360 App and connect it with your health app.
04
Walk daily, sync your steps, and watch your cover grow every quarter!
About Aviva Wellness360 App- Your Health Partners
Aviva Wellness360 is your all-in-one digital health companion — designed to help you take charge of your wellbeing with smart tools for proactive health checks, fitness tracking, and personalized wellness insights.
Experience holistic wellbeing with these powerful features:
Hit your daily step goals to earn rewards and boost your sum insured.
Get an AI-powered health report instantly with a quick facial scan.
Enjoy a customizable AI diet planner designed for your health goals.
An all-in-one wellness app that blends fitness with financial benefits.
Why Prefer Aviva Life Insurance?
(Annual Audited Financial Statement for FY 2024-25)
(TRA’s Brand Trust Report, India Study 2025)
Frequently Asked Questions
Aviva Smart Vitals plan provides Wellness Benefits in terms of simple additions in the Base Sum Insured on regular walking by the life insured.The Base Sum Insured increases every quarter, based on your daily average step count as shown in the table below. To be eligible, you must also remain active for at least 60 days in a quarter (i.e., recording more than 0 steps in 60 days).
| Average steps per day in a quarter | Wellness Additions per Quarter as % of the Original Sum Insured |
|---|---|
| < 5000 | Nil |
| >=5000 but <=8000 | 2.50% |
| >=8001 but <=12000 | 5.00% |
| >=12001 | 7.50% |
Still have questions? Explore the complete list of FAQs about product details, services and claims here