Q1: What is the ‘India Gets Moving’ initiative?
A: ‘India Gets Moving’ is an initiative to promote and incentivize healthy habits amongst customers buying an Apple Watch.
Under this initiative, Zopper (a trademark of Solvy Tech Solutions Private Limited) is offering a complimentary one-year ‘Zopper Wellness Program’ which is available on voluntary basis.
The benefits offered by the program are:
This program offers the following benefits:
Personal Accident Cover of ₹1 lakh by HDFC ERGO
Wellness rewards of up to 100% of the sum insured (Apple Watch invoice value) by HDFC ERGO
Access to ‘Health and Wellness webinars’ covering preventive care, general fitness, and other personal well-being-related topics
First free session of ‘Personal Mental Health Coaching’ with our experts onboard
One-time ‘Lifestyle & Health Score’ check
Q2: How do the Wellness Rewards work?
A: Apple Watch users can join under a complimentary ‘Zopper Wellness Program’ by enrolling themselves at the point of sale. After enrolment, the users need to download here by HDFC ERGO's mobile app and sync Apple Watch health data with the app. They can now start accumulating the points on a daily basis by clocking steps. The points accrued on a monthly basis can then be redeemed for availing wellness rewards up to 100% of the sum insured (Apple Watch invoice value). Remember, the more steps they take, the more points they earn!
Q3: How do I capture customer’s data/inform Apple regarding the enrollment?
A: You will have designated Web Portal by Zopper (Zopper is a trademark of Solvy Tech Solutions Pvt Ltd); login to this portal via credentials provided to you during the onboarding process in the following simple steps:
● Enter the customer's basic information like name, date of birth, gender, mobile number & email address. (Kindly ensure that these details are correctly logged to avoid any hassles at the time of availing any benefit.)
● Kindly ensure that the customer’s name provided at enrollment is the same as that submitted during KYC and Bank Account verification.
● If a customer has no last name, kindly enter ‘.’ (i.e., full-stop) in the ‘last name’ input parameter.
● The customer will receive a program enrollment email and/or SMS notification with a link with T&C and OTP.
● Lastly, enter the OTP upon the customer’s confirmation and complete the registration
● Now that the registration is completed, the customer will receive another email/SMS with the link to download the mobile app ’here by HDFC ERGO’ and can log in using their mobile number.
● ‘Zopper wellness program’ is only available for iPhone users
Q4: What happens after a customer enrolls in the program?
A: Customers will receive notifications via email or SMS to download a mobile app 'here by HDFC ERGO' for wellness rewards, tracking steps, and earning redeemable wellness rewards. Customers will get an onboarding email with the steps of how the ‘India Gets Moving’ initiative’ would work along with the ‘Zopper Wellness Program’ details.
Q5: What is the role of HDFC ERGO’s mobile app?
A: here by HDFC ERGO's mobile app allows customers to track their coverage pertaining to Wellness Rewards (daily step counts & earned points).
Q6: How do customers redeem their points under Wellness Rewards?
A: Customers can redeem their points under wellness rewards through here by HDFC ERGO App. The redemption of wellness rewards will be determined by the number of points earned and the program's benefit structure.
Q7: What is the benefit structure of the Wellness Rewards?
A: The benefit structure is based on a points system. Customers earn points by completing daily steps, which are accumulated monthly. The more points, the higher the wellness rewards!
Q8: What happens if a customer cancels the program?
A: The program does not allow cancellations, but customers can stop sharing their step details by deleting the account from the here by HDFC ERGO app.
Q9: How many steps does a customer need to walk to earn points?
A: India Gets Moving program rewards consistent activity. Customers can earn points based on daily step count goals. For example, consistently walking over 15,000 steps each day earns the most points!
Step count in a day | Greater than 15,000 | 12001 to 15,000 | 10,001 to 12,000 | 8,001 to 10,000 | Up to 8,000 |
Points earned for that day | 4 | 3 | 2 | 1 | 0 |
Q10: How many wellness rewards can a customer avail?
A: The program has a wellness rewards system with multiple tiers. The more points a customer accrues during the month, the more significant the portion of their sum insured (Apple Watch invoice value) can be utilized as wellness rewards.
Wellness Rewards for a month will be a percentage of their sum insured (Apple Watch invoice value) /12
Points Accumulated During the Month | Wellness Rewards (%) |
> 110 | 100% |
91 to 110 | 80% |
71 to 90 | 60% |
51 to 70 | 30% |
31 to 50 | 10% |
<= 30 | 0% |
Illustration for Wellness Rewards:
Consider the sum insured (Apple Watch invoice value) for the ‘Wellness rewards’ benefit is INR 48,000.
The maximum sum insured in a month that can be claimed through wellness rewards is INR 4000{i.e., 100% of the (sum insured/12)}. Let's say your customer walks for 11,000 steps daily throughout the monthly cycle. This would result in around 60 points (2 points/day * 30 days). Referring to the program's payout structure:
● Points Accumulated During the Month: 60 points (This falls under the "51 to 70" category)
● Wellness Rewards for that month: 30% of the (Sum insured/12) = 30%*4000
However, let’s say in the next month’s cycle, they walk greater than 15,000/- steps daily, accumulating ~120 points in that month; they will be eligible for 100% wellness rewards, i.e. 100%*4000
Q8: How will the month cycle be counted?
A: The ’Zopper Wellness program’ uses a rolling monthly cycle, starting with the purchase of an Apple Watch and running on a policy month basis.
● Scenario: Customer purchases and enrolls in this program on November 11th, 2024.
● Cycle Begins: The monthly cycle for earning points will begin on November 11th, 2024.
● Cycle Ends: This monthly cycle concludes on December 10th, 2024.
Q9: What will be the Sum Insured for wellness rewards benefit?
A: The final invoice value of the Apple watch purchased will become the Sum Insured for the said benefit.
Q10: When should I enroll a customer in the ‘India Gets Moving’ initiative?
A10: It's crucial to enroll customers in the initiative before they unbox and activate their Apple Watch.