What’s Covered Under Preventive Health Check-ups?

Posted on: Sep 17, 2024 | 3 mins | Written by: HDFC ERGO Team

What’s Covered Under Preventive Health Check-ups?

What's Covered In Free Renewal Check-Ups

When you hear about a free renewal health check-up, it's natural to wonder what it involves and why it's important for you. Let’s break it down so you can fully understand how this benefit from your health insurance can play a crucial role in your well-being, especially as you age.

Free Health Check-Up on Renewal:

Firstly, you’ve likely heard that many health insurance policies offer a free renewal check-up annually. But what does this actually mean? Simply put, it’s a routine health examination provided by your insurance company at no extra cost to you. The goal here is to monitor your health status, catch any potential issues early, and make sure that you’re on the right track. This is especially vital as you grow older because our bodies tend to change and develop different needs with time.

• For example:

If you have a health insurance policy, your free renewal check-up might include basic tests like blood pressure, cholesterol levels, and blood sugar tests. These are the kinds of tests that can give you a snapshot of your current health. For instance, if your cholesterol levels are higher than normal, you can take steps to manage it before it turns into something more serious, like heart disease. It’s like getting a health report card once a year so you can keep tabs on how you’re doing.

Now, this becomes even more significant when we talk about senior citizen insurance. If you or a loved one is over the age of 60, these free renewal check-ups can be a lifeline. Health risks naturally increase as we age, and regular monitoring can help manage and even prevent these risks.

• For example:

In India, where heart disease and diabetes are prevalent, especially among the older population, having a free health check-up as part of your senior citizen insurance can be incredibly beneficial. These check-ups often include more specialised tests, such as an ECG to monitor heart health or bone density tests to check for osteoporosis. The idea is to give you peace of mind, knowing that you’re keeping a close eye on any potential health issues.

Imagine your parents or grandparents going for their annual free renewal check-up. Not only does this make them feel cared for, but it also reduces their stress about unexpected medical issues. Plus, when you have health insurance that covers these check-ups, you don’t have to worry about the extra costs, which can be a huge relief, especially if you’re on a fixed income.

Points to Know for Free Health Insurance Check-Up at Renewal:

In fact, the process is pretty straightforward. Usually, you’ll get a reminder from your insurance provider that it’s time for your check-up. You can then schedule an appointment at one of the network hospitals or diagnostic centres associated with your health insurance company. It’s that simple. And the best part? You don’t have to pay anything out of pocket because it’s already included in your policy. It’s just one of the many ways your health insurance works to keep you healthy without adding financial strain.

Another great thing about these check-ups is that they can often be customised based on your individual needs. Let’s say you have a family history of diabetes. During your free renewal check-up, your health insurance provider might suggest additional tests or screenings to keep an eye on your blood sugar levels. This kind of proactive approach helps in catching potential issues early, which is especially crucial in preventing chronic diseases from developing or worsening.

And don’t worry, even if you’re perfectly healthy, these check-ups are still important. They serve as a preventive measure, giving you a clear picture of where you stand health-wise. This can be particularly reassuring if you’re someone who doesn’t visit the doctor regularly. By making use of your free renewal check-up, you’re taking an active role in maintaining your health, which is something your future self will thank you for.

To sum it up

Whether you’re using a general health insurance plan or a specialised senior citizen insurance, the free renewal check-up is a vital benefit that shouldn’t be overlooked. It’s a simple, cost-effective way to stay on top of your health, ensuring that you’re not caught off guard by any unexpected issues. Think of it as an annual tune-up for your body, helping you to live a healthier, longer life. So, the next time your insurance provider sends you a reminder for your free renewal check-up, don’t brush it off.

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

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