Every individual, even the fittest, needs a health check-up regularly. It is always advised by doctors and health care providers to keep a track of your health and take frequent checks to detect any possible ailments you may be at risk of. Regular health check-ups would help you know your body in and out. It can assist you to take a preventive approach and ensure you can keep yourself healthy.
Health insurance policies always have a free annual health check-up for their customers. Every insurer assures it gives all benefits to the customers. It is also available at the time of renewal of the health insurance policy. There are also options to receive the benefit of health check-ups even if you have raised a claim during the insurance policy term period. Let’s take a look at what are these benefits and the importance of health check-ups for customers.
Common tests such as ECG, complete blood count, fasting blood sugar, thyroid profile, lipid profile or urine test get covered under complimentary health check-ups. In case of cashless complimentary health check-up,the availability is only at network hospitals for the insurer. You can visit the network hospital, provide your policy details and avail the cashless health check-up. However, some insurance companies also allow reimbursement of annual health check-up, that is up to a specified limit.
It is often a misconception that if any disease is found during a complimentary health check-up, it may affect the insurance premium. Once you have been issued a policy, the insurance premium will not vary based on your health check-up report. Insurance companies only take into account any pre-existing diseases that you have at the time of purchasing the policy.
Some factors that you need to take into consideration while availing of health check-ups include;
To avail the most of the benefits of free annual health check-ups by insurers, make sure to understand your health conditions and terms matching your health history.
The annual health check-ups provided by insurers help assess your current medical condition advising if you are at risk for a certain ailment. Thus, helping you take preventive measures towards maintaining a healthy lifestyle.
Annual health check-ups are necessary for;
The free annual health check-up benefit for customers provided by insurers includes general tests like;
Knowing the importance of health check-ups, make sure you avail the free annual health check-up benefit from your insurance policy rightly. In case some illness is found out from the tests you can add them to your present insurance cover and get that risk covered as well.
Let's take a look at some frequent queries on Free Annual Health Check-up Benefits for Customers;
Not all health insurance companies provide the same health check-up features. It depends on the insurance policy plan as well.
No, the feature of free health check-up comes with a waiting period. It is based on your policy plan as well as your insurer. Free health check-up is also applicable at the time of renewal of the policy plan.
Yes, the free health check-up feature is beneficial to young as well as elderly people. It shall help maintain the well-being of all.
The free health check-up is related to sum insured and not the premium amount. Higher the sum insured, greater will be the amount contributed for a free health check-up.