Unlocking the benefits of Optima Secure preventive health check-ups

Posted on: Mar 22, 2024 | 3 mins | Written by: HDFC ERGO Team

Unlocking the benefits of Optima Secure preventive health check-ups

With busy schedules and hectic lifestyles, taking time out for regular health checkups is easily pushed aside. But did you know that the Optima Secure health insurance plan provides free preventive health check-ups that can catch minor ailments early on? As the saying goes, prevention is better than cure. Regular checkups play a key role in early disease detection. Optima Secure aims to make your health a priority with this unique benefit.

Let's dive deeper into understanding the importance of preventive health check-ups and what your health insurance plan covers.

Benefits of Preventive Health Check-Up Coverage

Early detection and treatment can make a big difference in your health outcomes. Here are some key benefits that preventive health check-up coverage provides:

1. Catch illnesses in the Initial Stages

Minor symptoms can easily be missed daily. Regular checkups with blood tests and medical examinations can detect underlying illnesses, infections, or risks at a very early stage, allowing for timely treatment.

2. Reduce Healthcare Costs in the Future

Identifying health issues in the preliminary stages often requires minimal treatment and medical costs. Leaving them unnoticed can worsen the condition over time, substantially inflating treatment costs in the future. Catching risks in advance helps curb future medical expenses.

3. Boost Overall Well-being

Regular medical supervision and tests provide peace of mind in knowing your health status. It also encourages healthy lifestyle habits. Timely advice from doctors and managing early risks helps you stay physically and mentally fit.

Why You Shouldn’t Skip This One

Preventive care is invaluable, yet it is easily disregarded in our busy daily lives. But did you know delaying annual checkups could prove financially detrimental as well? Here are some key reasons you really shouldn't skip this covered benefit:

1. Saves Future Medical Bills

As discussed, an early-detected health issue often needs basic treatment at an initial stage. Neglecting check-ups can inadvertently allow minor ailments to aggravate over time, resulting in expensive hospitalisation bills and invasive medical procedures in the future. Staying on top of your health minimises costly hospital visits and surgeries further down the line.

2. Utilises Your Premium to the Fullest

You are already paying health insurance premiums year after year. Why not make the most of the benefits? Optima Secure aims to cover daily health concerns with this preventive check-up benefit. Ensure you cash in on this "free" benefit rather than letting the annual cover get underutilised. This benefit also extends to senior citizen insurance, which is a plus point.

3. Scheme Requirements

Specific health insurance schemes, like senior citizen insurance, also require regular check-ups and medical examinations to avail maximum uninterrupted benefits. The preventive cover helps fulfill such requirements.

4. Family's Well-being

When it comes to health, be it yourself or your family members like spouses or ageing parents, keeping an eye out for each other's wellness is invaluable. Annual check-ups are a thoughtful way to care for your loved ones' health proactively.

In light of the above points, ignoring such a valuable health benefit already paid for as part of your Optima Secure health insurance plan doesn't make sense. So block the dates in your calendar and fully reap its advantages!

What's Covered and What’s Not

Now let's see the details of what exactly this preventive health insurance plan covers:

Preventive health check-up typically includes a series of medical tests to identify any potential health issues and allow early intervention. This may include blood pressure checks, cholesterol and blood sugar tests, cancer screenings, vaccinations, and physical examinations, abdominal ultrasound, cancer/ tumour Markers, cardiac indicators, kidney function tests, chest x-rays, HbA1c levels, thyroid levels and much more. You will need to check with your health counsellor once before you go for a preventive check-up. Different plans and sum insured might have different tests covered under the policy.

This benefit applies to all insured members (18–65 years old) on an individual and a floater basis. Also, it is available yearly when renewing the Optima Secure policy, with no upper age cap. So you can utilise our extensive nationwide network of hospitals.

So, this cover provides essential preventive screening without burning a hole in your pocket. Detected risks or illnesses would need further medical evaluation and management separately.

Conclusion

To sum up, a preventive health check-up is one of the most useful benefits covered by your Optima Secure health insurance plan. It works to catch asymptomatic ailments early and plays a pivotal role in lifelong healthcare management and wellness.

Rather than delaying or ignoring this provision, cash it in yearly for your family's welfare. Staying ahead of health issues helps you lead a prosperous, purposeful, and mentally peaceful life.

So immediately mark your calendars for annual check-ups and gain the optimal advantage of your health insurance investment in the long run!

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

Optima Secure-Our Best Health Insurance Plan

Here’s How Optima Secure Health Insurance Plan Offers 4X Cover with No Additional Cost

HDFC ERGO my: Optima Secure: The Right Option For Your Family

Save more with Super Top-Up Health Insurance Plans

How to Compare Health Insurance Policies