Health Insurance with Free Annual Health Check-ups

Posted on: Jun 16, 2021 | 3 mins | Written by: HDFC ERGO Team

Health Insurance with Free Annual Health Check-ups

One of the benefits of a health insurance policy is a medical check-up that comes complimentary with the plan. Some health insurance providers are going the extra mile by providing add-on benefits that include doctor’s consultation and a number of routine tests like fasting blood sugar, lipid profile, and others. Policy holders can avail the facility by visiting one of the network hospitals and providing their health insurance details. Depending on your health insurance policy, this facility is available to be taken 1-2 times a year.

While a lot of policy holders may be aware of this add-on benefit, a recent report by policy bazaar stated that only 25-35% avail these add-on benefits. Nonetheless, regular health check-ups are vital for an overall healthy lifestyle. It can also help in early detection of many chronic diseases and other serious medical conditions. So, what are the free services you can avail of when you buy an health insurance policy with free health check-ups – and is it really worth it?

What is a Free Medical Check-up?

A free medical check-up is a complete body analysis of how your body is functioning. It covers essential body checks like heart health, organ functions, metabolism rate and a host of other symptoms. In this way, you can keep track of your overall health and diagnose any early symptoms of an oncoming disease or illness. The health check-up also monitors a number of critical health parameters like blood pressure, sugar and others to diagnose any oncoming lifestyle diseases.

Why are Timely Health Check-ups Important?

Individuals generally have a terrible habit of putting their medical off for too long. As a result, by the time they visit the doctor, their condition has deteriorated considerably. This puts extra strain on their bodies, and involves additional costs of time and money at a later date. Timely health insurance ensures that you get the right diagnosis for your medical condition as early as possible. It also helps in ensuring that you remain healthy for as long as possible.

Here are a few additional benefits of regular check-ups:

· Early diagnosis and detection of diseases or medical conditions.

· Health monitor to check overall health and wellness.

· Keep you fit and help improve any underlying health conditions.

· Eventually, you pay less for healthcare costs.

Know More: Tax Benefits on Preventive Health Check-Ups

List of Diagnostic Tests Available for Free Medical Check-up?

In addition to getting a free medical consultation, policy holders can avail of a number of medical tests prescribed by their doctor. The specific tests vary between medical insurance policies, however, the list below is a generic list of tests conducted to gain a complete analysis of your medical health and wellbeing.

Blood Pressure Test
Blood Sugar Test
Lipid Profile
ECG Test (mostly recommended after 35 though)
Liver Function Test
Urine Analysis
Tests for Vitamin Deficiencies (Vitamin D deficiency is very common in India)
Pap smear (recommended for women, once a year)
Kidney function test
Lung function test

How to Apply for a Free Medical Check -up

The process of applying for a free medical check-up is relatively simple. This is in contradiction to the generally held belief that the process of gaining medical coverage is tedious. However, you first need to ascertain whether your health provider has this add-on benefit. This feature is provided by a handful of health insurance providers.

Contact your insurance provider. You can do this by calling their toll free 1800+ number or writing an email mentioning your policy number.

Once you have contacted your insurance provider, they will either send you an authorization letter, which you need to carry on your visit to the hospital. Or, you will receive a call-back from a representative who will arrange for a free medical check-up at your preferred diagnostic centre.

If you have a health insurance plan with a cashless claim option, you can simply walk into the hospital or diagnostic centre of choice and avail a free health check-up without having to pay any money. In case the hospital is not part of the empanelled list of medical centres, you have the option of paying cash and getting your medical bills reimbursed.

Final Thoughts

Medical check-ups are a great way to stay healthy for as long as possible. Next time you buy a medical insurance policy, make sure it has the additional free health check-up. This way you save time and money later down the road.

Disclaimer:The above information is for illustrative purpose only. For more details, please refer to policy wordings and prospectus before concluding the sales.

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