A. Historically, medical insurance has been focused on costs incurred after you fall ill. However, recognition of wellness activities is growing. Wellness activities are those that are carried out to stay fit and prevent illness. Regular exercises, healthy diets, and meditation are examples of wellness activities. Insurers have also begun to encourage policyholders to take up wellness activities. This can be in the form of reward points for wellness activities or an insurer organising wellness events for their clients. The benefits offered here are also at an early stage and we expect these features to become more relevant and sophisticated over the next few years.