Aditya Birla Health Insurance study cuts preventable claims by 31%

The analysis covered diabetes, hypertension, dyslipidaemia, obesity and asthma.

Aditya Birla Health Insurance Co. Limited reported that active health coaching reduced preventable insurance claims by 31%, based on a study of 29,463 customers enrolled in its programme.

The findings, published in the medical journal Cureus, analysed anonymised data from April 2023 to March 2024 for customers managing chronic conditions such as diabetes, hypertension, dyslipidaemia, obesity, and asthma.

Customers who remained engaged in the programme recorded lower preventable claims compared to those who were not engaged.

Each additional coaching interaction reduced preventable claim costs by an average of $7.35 (INR668), whilst the programme delivered a return of $0.02 (INR1.72) for every $0.011 (INR1) invested.

The study also showed differences across customer segments. Amongst participants, 55% had at least one chronic condition.

Women made up 33% of the group and reported a higher symptom burden, but those who engaged consistently saw stronger reductions in claim costs.

Older members showed higher engagement and better symptom improvement, although they also recorded higher claims due to greater healthcare needs.

Increased participation in coaching was linked to improved outcomes, with more symptoms improving or resolving over time.

Amongst 4,272 members who showed health improvement, more than 7,626 symptoms were recorded as improved or resolved.

Across the full customer base, 155 preventable hospitalisations were reported, indicating better management of chronic conditions.

Aditya Birla Health Insurance said the findings support the role of early engagement and ongoing health coaching in reducing avoidable hospitalisation and managing long-term health risks.

($1.00 = INR93.22)