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How to Avail Free Medical Check-ups under Your Health Cover?

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Published on May 25, 2023. EST READ TIME: 3 minutes

Health insurance plays a crucial role in offering financial security, access to quality healthcare services, and safeguarding one’s overall well-being. Having a comprehensive health insurance plan is essential in a country like India, where medical expenses can often be overwhelming due to inflation. In addition to covering hospitalisation expenses, many health insurance plans also offer the benefit of free health check-ups. Regular medical check-ups are vital for early detection and prevention of illnesses, contributing to better health outcomes.

Frequency of Medical Check-Ups

The number of free health check-ups a policyholder can avail of depends on the insurance provider, the type of policy – individual or family floater, and the plan’s terms and conditions. Some insurance providers offer health check-ups for not making any claims; others provide this benefit even if you have raised a claim during the policy term. Some insurers provide this benefit annually or every alternate year, while some companies offer free body check-ups once every four claim-free years.

List of Medical Tests

The list of medical tests differs from insurer to insurer and the sum insured of your health insurance policy. The details will be mentioned in your policy document. However, some basic tests covered under a health insurance plan include complete blood count (CBC), lipid profile, fasting blood sugar, urine analysis, ECG, chest X-ray, and liver function test. If you have a high sum insured, the coverage for free medical tests will be more. For example, if you have purchased two healthcare policies with a sum insured of Rs 20 lakh and Rs 5 lakh, respectively, the list of tests will be more in the first policy.

How to Apply for Free Medical Check-ups?

Even though the best health insurance plan offers the benefit of free body check-ups, many of us hesitate to avail of it, assuming the process is cumbersome. But it is actually quite simple.

• First, inform the insurance company by contacting the toll-free number, sending an email or WhatsApp message, or visiting the nearest branch office.

• The insurer will respond with your preferred time, date, and diagnostic centre. After you receive a confirmation, you will get an authorisation letter from the insurer.

• You have to carry this authorisation letter and your health card to the diagnostic centre.

• If you want to avail of a cashless facility, you need to get the check-up done at an empanelled diagnostic centre. The insurer will settle the bill directly up to the coverage limit. If you wish to get the tests done at any other place of your choice, you have to pay upfront and get it reimbursed.

Conclusion

Routine health check-ups are essential to keep track of one’s health. Regular check-ups also help in early diagnosis and treatment of any illness or underlying medical conditions. And if the check-ups are offered free of cost with your health insurance plan, why not take the opportunity? Before buying a health insurance plan, compare different policies, check the terms and conditions relating to annual medical check-ups and whether the test reports impact the health insurance premium.

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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