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The very busy and stressful lifestyle is affecting everyone with a host of chronic illnesses like Heart disease, Diabetes, Blood pressure, Kidney Disease, Cancer, etc., Most of the time, we don’t pay attention to the early signs of these illnesses since routine medical checkups are not performed, except for the first time maybe at the time of buying a health insurance policy. But it is essential to undergo regular and preventive health checkups, at least once a year, in order to detect any medical condition in its early stages and also start treatment for any critical ailments.
During recent times, nearly every health insurance company has been offering health insurance with a free medical checkup feature bundled in the plan. While different insurers follow their own terms and conditions regarding free medical checkups, the importance of such tests should not be undermined. For maintaining a healthy lifestyle, a well-balanced diet and regular exercise are required. Similarly, a periodic medical checkup is required to detect diseases or illnesses at an early stage.
The complete list of tests that form part of the free medical checkups can be seen from the policy document. But a majority of health insurance plans cover the costs for the following tests:
Though free, there is a limit on the cost of free medical checkups for a policyholder who undergoes the test. It depends on the value of the sum insured or coverage based on which a certain percent is allotted for medical checkups. In simple terms, by opting for a policy of higher coverage, you are eligible to undergo medical tests up to a higher value.
The health insurance firms allow the policyholder the option to take free medical checkups only after completing a certain number of years, without filing any claims, called the claim-free period. This could range from 2 to 5 years, depending on the policy taken and its features.
However, there are insurance plans that offer these medical tests even after one claim-free year. So all policyholders must make use of these free additions, as skipping them is a loss only for you and not for the insurance firm.
There are a host of benefits that one shall experience by opting for free medical checkups, which we have discussed below:
Chronic illnesses, such as blood pressure, hypertension, diabetes, etc., could become life-threatening if not addressed promptly or properly treated on time. Free medical tests or checkups offered by these insurance policies help you to identify these illnesses even in their early stages, even before they start showing their symptoms.
As a policyholder, you would have known the benefits of making use of these free medical checkups offered by health insurance policies at the right time. It is equally necessary to know the process of availing of these tests and enjoy these benefits. Hence here are the steps that you need to follow in order to avail the free health checkup facility offered by health insurance firms.
Choosing a health insurance policy with features like free medical checkups will help you in safeguarding your health as well as peace of mind. PayBima provides you with the right platform to choose the right health insurance policy based on your needs and within your budget while providing them with top-notch customer service.
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