Ans: Aviva Smart Vitals is a fixed-benefit individual health insurance plan that offers a lump sum payout upon the diagnosis of any of the 49 critical illnesses specified in the terms and conditions.

Ans: This plan allows you to enhance your sum assured up to 20Lacs, based on your average daily step count, measured across incremental bands. To encourage your wellness journey, it also includes a complimentary smartwatch and access to our Aviva Wellness360 app.

Ans: The plan comes with a base sum insured of ₹10 lakhs, and offers policy term and premium payment term choices of 10, 15, or 20 years.

Ans: To raise claim request, please contact our Customer Services Helpline at 1800-1037766
or write to us at:
Claims Department
Aviva Life Insurance Company India Ltd.
401-A, 4th Floor,
Block A, DLF Cyber Park,
Sector-20, NH-8, Gurugram,
Haryana-122 016, India.

Ans: The policy specifies a 90-day waiting period and a 15-day survival period.

Ans: This plan offers a 30-day free-look cancellation period. If you choose to cancel the policy within this window, we will refund the premium paid after deducting the proportionate risk premium for the period of coverage, along with any expenses incurred for medical examinations and stamp duty charges. The tracking devise must also be returned along with the policy documents.

Ans: You may claim for health insurance tax benefits under the Income Tax Act, 1961. According to Section 80D of the Income Tax Act, 1961 you may avail of health insurance tax benefits up to INR 25,000 on premiums paid towards health insurance policies for self, spouse, and dependent children. You may claim an additional deduction on premiums paid for your parents (Limit is 25000 if Age is less than 60 years and Limit is 50000 when age is 60 years and above).

The Sum Assured increases every quarter, based on your daily average step count as shown in the table below. To be eligible, you must also remain active on at least 60 days in a quarter (i.e., recording more than 0 steps on those days).

Ans: As part of a limited-time promotional offer, Aviva may provide a smart device at no additional cost to eligible policyholders to encourage healthier habits and support step-tracking. The make, model, and brand of the device will be determined solely by Aviva and cannot be selected by the customer. This offer is subject to availability and may be modified, withdrawn, or discontinued at any time at Aviva's sole discretion without prior notice. If eligible, the smart device will be delivered within 15 working days from the date of policy issuance.

Ans. Aviva Wellness360 is your digital health companion - from proactive checks like BMI and stress, to everyday nudges and rewards for healthier living.

Ans: To download and set up the Aviva Wellness360, please follow these steps:
     1. Download the App
          o    Go to the Google Play Store (for Android) or the App Store (for iOS).
          o    Search for “Aviva” and tap Install.
          o    Once installed, open the app.
     2. Register for the First Time
          o    Enter your mobile number (this will be your primary identifier).
          o    Provide consent by accepting the Terms & Conditions and Privacy Policy.
          o    Complete OTP verification via SMS or email.
     3. Connect Your Device

Ans: If you choose not to use the smartwatch, your steps will still be tracked directly through the Aviva Health and Wellness App.

Ans: Step data is recorded whenever the Aviva Wellness360 app is opened. Please ensure that the app is connected to Google Health Connect (for Android) or Apple Health (for iOS). If your step count does not update automatically upon opening the app, you can refresh it manually by pulling down on the dashboard to sync the data.

Ans: Yes, your health and personal data is securely stored in line with India’s Data Protection laws, ensuring your privacy is always protected.

Ans: You can expect the smartwatch to be delivered within 15 working days of policy issuance to the address mentioned in your policy documents.

Ans: If your smartwatch is not delivered or arrives defective, please contact our support team immediately for assistance. You can call 1800 103 7766 or email us at customerservices@avivaindia.com. Our team will promptly arrange a replacement or provide a suitable resolution.

Ans: Make sure the Google Health Connect / Apple Health application is installed in your phone and is connected to the Aviva Wellness360 application
Check your internet connection; the step syncing requires the phone to have an active internet connection
Try restarting the application after force stopping it in the settings
Please note, the Aviva Wellness360 application syncs with your phone's native health application (Google Fit/Apple Health) and the steps on the app will be the same as the health app.

Ans: Yes, you have the flexibility to update your registered mobile number at any time during the policy term.

Ans: Yes, your smartwatch is covered under warranty. Noise products come with a 1-year warranty, while Noise accessories carry a 3-month warranty. The warranty covers technical or manufacturing issues but does not include physical damage. To make it convenient, free door-to-door service is provided for the entire warranty period, starting from the date of purchase.

Ans: For any issues with the Wellness app, please contact us at 1800 103 7766 or email us at customerservices@avivaindia.com.