Get Healthier. Pay Lesser. Powered By AI.

Welcome to the world of AIVital: an AI-powered lifestyle partner with smart health insurance coverage. AIVital tracks your health, lowers your premiums, and pays when you need it.

No separate subscriptions for proactive health management and insurance coverage No hidden or inflated charges in insurance premiums

Built for young, tech-savvy Indians who want their lifestyle to finally matter in what they pay.

Private Beta · 2025

Current Health Score

You’re in the “Active” zone.
Keep it up to unlock a lower premium next month.

Today: 82 / 100 · Potential savings this month: ₹180

Today’s Savings Nudge: Walk 1,500 more steps to drop your premium by ₹75/month. AIVital turns tiny habits into real money saved.

Health management and hospital cover in one app Real-time insights, not annual paperwork Smarter, fairer pricing using your lifestyle data Full cover when something serious goes wrong

The Idea Behind AIVital

“The broken experience isn’t health itself – it is that every insurer treated us like a policy number instead of a person trying to stay fit and healthy.”

Most of us pay for health insurance that feels distant and reactive. We’re expected to take care of our health alone while bouncing between nutrition apps, fitness trackers, meditation tools, and subscriptions that never quite stay in sync.

We wanted something better, we wanted something that understands us.

AIVital merges all of that into one intelligent companion. It learns from your wearables, guides your daily habits, and rewards your progress with lower premiums, while still supporting you when you need hospital care.

It’s health insurance, wellness coaching, and real support — finally working together for you.

Today

You’re on your own

Insurance sees you once a year. Your apps, reports, and habits stay disconnected.

What we wanted

One partner

A single place that understands your lifestyle, nudges you gently, and protects you when things go wrong.

AIVital

Understands effort

AI that sees your daily actions and actually reflects them in what you pay.

DID YOU KNOW?

Majority of health insurance claims in India stem from lifestyle-related conditions; yet insurers spend almost nothing on prevention.

AIVital flips that by investing in your daily health and sharing the upside through transparent, AI-driven pricing and preventive nudges.

How AIVital Works

AIVital turns your daily health data into a simple score, then uses that score to personalise your insurance and nudge you toward better habits.

Connect devices

Get Health Score

Earn savings

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Step 1

Connect Your Wearable

Sync your Fitbit, Apple Watch, Samsung Watch or phone sensors in a single tap. We securely pull steps, sleep, heart rate, and other key signals.

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Step 2

Get Your AI Health Score

Our AI models analyse your lifestyle and available medical records to give you a real-time Health Score out of 100 — updated every day.

Example: Today’s Health Score – 82 → You’re in the “Active” band.

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Step 3

Improve Your Score, Lower Your Premium

Daily nudges suggest small, achievable actions. Hit your goals and watch your next month’s premium drop automatically.

“Walk 1,500 more steps today to save ₹75/month on your premium.”

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Step 4

Full Coverage When You Need It

Behind the scenes, AIVital still works like a normal health insurer when something serious happens — only smarter and more affordable.

Leverage the AI advantage

Before AIVital (Traditional Insurer)

Flat premium for 12 months, barely linked to how you live.
Risk based on a 10-minute form and age band.
No feedback loop — no idea what to improve.

With AIVital (AI-First Model)

Dynamic, risk-based pricing updated using real-time data.
AI Health Score learned from steps, sleep, stress and records.
Daily, personalised nudges that directly influence what you pay.

What Early Users Are Saying

AIVital is still in private beta — but our first users span busy professionals, wellness enthusiasts, and creators who live very different lives.

“My smartwatch finally pays me back. AIVital showed me how small daily habits lower my premium — it’s the first health app I’ve actually stuck with.”

Riya, 29 · Software Engineer · Tech-savvy, wearable-heavy, fitness-oriented.

“The nudges feel like a friendly coach, and during hospitalisation it felt like I had a constant assistant by my side. The claim journey was genuinely stress-free.”

Karan, 35 · Marketing Professional · Wellness-focused, productivity & self-improvement junkie.

“AIVital connects everything — my workouts, my sleep, my steps — into one clear Health Score. I feel more energy and lower lifestyle costs. Someone finally understands me.”

Priya, 32 · Fitness Coach & Creator · Design-oriented, holistic wellness believer.

Surprising research insight: Young, urban Indians typically pay ₹900–1,500/month for static health insurance that never changes with their lifestyle, even though their real risk can vary by 30–40% based on habits alone. AIVital’s AI finally lets that lifestyle matter.

Our early users typically frequent...

Our Pricing Model

Pricing that rewards healthy living. We sit in the same ballpark as what you pay today, but your effective costs fall as your Health Score improves.

What you pay today vs. AIVital

Plan	What you pay today (avg market estimates)	AIVital can bring your costs to
Basic (Hospital Cover)	₹12,000 / year	₹4,800 / year Plans starting at ₹400 / month
Lifestyle Subscription	Free plans exist but don’t link to insurance	₹2,400 / year Plans starting at ₹200 / month
Reduction in premium over time	Not applicable; premiums typically increase over time	₹1,800 / year saved Up to 30% by maintaining a strong Health Score

Minimum costs for a basic plan today: ₹12,000 / year
Minimum expected costs with AIVital: ~₹4,800 / year (~₹400 / month)

Savings snapshot

Save up to ₹7,200/year by staying in the “Active” band

AIVital combines hospital cover and lifestyle coaching into one plan. Instead of paying for a generic policy plus scattered wellness apps, you get everything in a single, cheaper bundle.

Today: static insurance + scattered apps

With AIVital: integrated & dynamic pricing

See Your Potential Savings

Numbers are directional and based on current retail pricing; the key shift is that AIVital lets your behaviour pull costs down instead of premiums only going up.

What Happens After You Sign Up?

This is the full conversion path — from “Start Trial” to your first lower premium.

1Sign up with your email and basic details (under 60 seconds).
2Connect your wearable or choose “phone sensors only”.
3Within 24 hours, get your first AI-generated Health Score.
4See a personalised premium quote and how much you can save vs. your current plan.
5Follow simple daily nudges and watch your premium drop over the next month.

Start 14-Day Free Trial

Will my premium shoot up if I have a bad week?

No. We smooth out short-term fluctuations. Your premium is based on longer trends, not one bad week or a missed workout.

Is my data safe and monetised ethically?

Yes. Your data is encrypted and never sold in personally identifiable form. Aggregated insights help us design better products — and you share the upside through fairer pricing.

Do I still get normal insurance coverage?

Absolutely. AIVital works like a regular health insurer when you need hospital care — our AI layers simply make it smarter and more affordable for you.

Meet the Team Behind AIVital

We’re a trio from IIM Ahmedabad combining clinical insight, data and behavioural science, and financial rigour to rebuild health insurance around prevention.

Anandita Karak

Data & Behaviour · MBA, IIM A

Statistician-turned-consultant who designs our predictive models and experiments — ensuring AIVital’s Health Score is fair, transparent, and accurate.

Jaspreet Singh

Finance & Strategy · CA, MBA

Chartered Accountant responsible for pricing, regulatory compliance, and sustainable unit economics so that lower premiums still mean profitable insurance.

Yash Kamath

Clinical Lead · MBBS, MBA

Practising doctor who shapes our clinical rules and preventive pathways, translating medical science into daily, actionable health nudges for users.