Mumbai: Private health insurers are encouraging their customers to lead healthy and active lives by offering steep discounts on the renewal premia between 80 and 100 per cent, along with a host of other rewards and benefits.Most health insurance provides no-claim bonus for claim-free years but that usually ranges from 25 per cent to 50 per cent.While Aditya Birla Health Insurance is offering up to 100 per cent return of the premium if the customer has accrued adequate number of 'Activ Dayz' (one Activ Day means 10,000 steps a day, or any fitness activity specified by the insurer), another firm Future Generali earlier this month launched a policy offering a flat 80 per cent discount on renewal if the customer did not make any claim in the.