Benefits of Health Check-ups in Medical Insurance Policy

Health Check-ups in Health Insurance Policy 

Good health is a requirement for one and all. But to stay healthy regular check-ups are needed. Do you know if your health insurance plans offers free health check-ups? Let us find out in this blog.

Getting a full body check-up done at regular intervals is important for everyone. This way you come to know if any health issue is imminent and can get the required treatment started. However, full body check-ups might be too expensive for your pocket, which might hold you back from getting regular check-ups. Moreover, it is seen that people normally visit a physician only when the situation goes out of control and things look very bad. Thus, people tend to ignore the primary signs and later when they visit the doctor the situation goes out of control. And if you do not diagnose your health condition, it keeps getting worse.

However, with free annual medical check-ups offered with your health insurance policy, you can easily get your routine check-up done to monitor your body.  This way, you can keep a tab on your health condition and be tension free regarding your health. Further, with numerous health insurance policies offering annual medical checkups for free, it is the best option to monitor your health for any underlying illness without paying any money from your own pocket.

Advantages of Health Check-ups in Health Insurance Policy

Let’s take a look at the advantages of the online health check-ups offered with the health insurance plans in detail;

• Allow insured individuals to get diagnosed with a health condition early  – The key advantage of having an annual online health checkup is that it allows an insured person to monitor his/her health condition and help in diagnosing any underlying ailment at the initial stage. This way, if you could detect your health condition at an early stage in life it becomes easy to cure the condition well. For example, if you undergo the annual health check-up regularly, you might be able to limit the condition of ailments like high blood sugar or high blood pressure accordingly.  So, if you are on the verge of getting diabetes and you get diagnosed at the pre-diabetic stage, you may be able to curb or limit its effects by applying the correct steps.
• Allow the insured to monitor complete health and security – There are many people who stay unperturbed about their health. Unless it is a do or die situation, no one cares much to go through even a normal health check-up. However, if your insurer allows health insurance medical check-ups for free on an annual basis, you can monitor your health condition well and can stay aware of your overall well being through regular check-ups. In this way, you can manage your health better.
• Allow insured to enjoy good health – If you know about your health condition via the annual health check-ups, you can be in a better position to pay attention to the various issues of your health. Things like unhealthy BMI will be clear to you as well as you will be aware of your cholesterol levels in a better way. Thus, you can accordingly change your lifestyle, diet and so on.
• Allow insured to lower his/her Healthcare costs in the future – Annual health check-ups allow insured individuals to take prevention methods for any health issue and help them to save money on their healthcare expenses.

Various tests that are available under free medical check-ups

Free medical check-ups that the insured can avail of to get annual routine health check-ups allow a multitude of tests, which might vary as per the insurer. Below are some of such generic tests:

Test to examine Blood Pressure, Test to examine Blood Sugar, Test to examine Lipid Profile, ECG Test, Test to examine Liver Function, Urine tests, Vitamin Deficiencies Tests, Pap smear, Kidney Tests, Lung Tests etc.

Process to apply for a free health check-up in India

Good health is the greatest gift that one can have. Nowadays, people are mindful of their health and would like to promote their health and wellness in many different ways.  Thus, insurance companies are coming with new plans and products that allow insured individuals to avail free yearly health check-ups. However, this depends on the health insurance company if they allow health check-ups every year or every 3-5 years. Some insurers even allow health check for every claim free year, while there are health insurance policies without medical check-up

But if you are looking at buying health insurance with free medical check-up, you can simply apply for one with your insurer or any insurer you are willing to buy your insurance from. The process of getting health insurance is very simple and hassle-free. There is no need to worry about long procedures. You can easily get your preferred policy from the preferred insurer via an online process. All you need to ensure is to check if your preferred insurer offers health insurance with medical check-up free on a yearly basis. Once confirmed, you can contact the preferred insurance company by calling them at its toll-free number, by email or other online and offline ways and buy the policy.

After procuring your policy, you can ask your insurer to arrange for an authorization letter as per the terms of the policy so that you can get your health check-up done at the prescribed hospital by showing the letter received from the insurer. If your policy allows cashless healthcare service, you can avail the benefits  of health check-up without paying any money from your pocket. In case of a reimbursement plan, you might have to pay for the check-up first and later can get reimbursed for the same from your insurer.

Read More: Preventive Health Check-up and It’s tax benefit

The Conclusion

It is always better to avail the benefits of yearly health check-ups under your health insurance plan. So, just make sure that you buy health insurance with free medical check-up so that you can save time and money on your healthcare needs.