Does Health Insurance Cover Preventive Health Check-ups?

Every object needs to be checked regularly to identify a malfunction on time. It is the same with our bodies. Everyone must undergo a preventive health check-up on a regular basis. However, medical check-ups can get expensive. If you are wondering whether preventive health check-ups are covered by health insurance plans in India, read on to find out.

Read More

Get ₹5 Lac Health Insurance starts @ ₹200/month*
Get ₹5 Lac Health Insurance starts @ ₹200/month*
Tax Benefitup to Rs.75,000
Save up to 12.5%* on 2 Year Payment Plans
7 Lakh+ Happy Customers

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply

Get insured from the comfort of your home No medicals required
I am a

My name is

My number is

By clicking on ‘View Plans’ you, agreed to our Privacy Policy and Terms of use
Close
Back
I am a

My name is

My number is

Select Age

City Living in

    Popular Cities

    Do you have an existing illness or medical history?

    This helps us find plans that cover your condition and avoid claim rejection

    Get updates on WhatsApp

    What is your existing illness?

    Select all that apply

    When did you recover from Covid-19?

    Some plans are available only after a certain time

    What is Preventive Health Check-ups?

    Preventive health check-ups refer to a series of medical tests undertaken to estimate the health condition of a person. These medical examinations are conducted to detect a disease, infection or abnormality in the body before it becomes severe or reaches an advanced stage. They help to identify certain habits, behavior and medical problems even before the symptoms develop. They also help doctors to understand the measures that need to be taken to prevent the onset of a disease.

    Basically, preventive health check-ups are done as a precautionary measure to know if everything is normal in your body as well as to identify a health problem on time. Hence, you must get a preventive health check-up done every year.

    What are the Benefits of Preventive Health Check-up?

    The following are the key benefits of undergoing preventive health check-ups regularly:

    • It helps to diagnose disease on time.
    • It inspires you to take better care of your body and keep diseases at bay.
    • It helps you to develop healthy habits, such as exercising, eating healthy, etc.
    • It encourages you to maintain your sleep cycle by taking 7-8 hours of sleep every day.
    • It motivates you to stay away from unhealthy habits, such as eating junk food, smoking, consuming excessive alcohol, etc.
    • It encourages you to take less amount of stress to lead a healthy life.
    • It helps you to focus on the long-term well-being of your body.
    • It also prevents unforeseen medical expenses as you are well aware of your health condition.

    Are Preventive Health Check-ups covered by Health Insurance Plans?

    Yes. Several health insurance plans in India provide preventive health check-up facilities. They cover the cost of preventive medical examinations undertaken by the insured on a regular basis. The test results do not have an impact on your health insurance policy premium. However, it can help you determine if you need to increase your sum insured during renewal.

    Most health insurance companies cover the cost of preventive health check-ups if you do not raise a claim in the previous year. While some of them may offer free preventive health check-up facilities annually, others may cover it after every two or three claim-free years. It is advisable to check your policy document to know about the coverage condition on preventive medical check-ups.

    Major Preventive Medical Tests to Undergo as Per Age

    Take a look at the major preventive medical tests that you must undergo as per your age:

    Infants & Children (Up to 10 years):

    • Newborn Jaundice
    • Auscultation
    • Ophthalmic Exam
    • Hearing Test
    • Palpation
    • Reflexes
    • Percussion

    Children & Teenagers between 11 to 19 years:

    • Hepatitis B
    • Tuberculosis
    • Eye Examination
    • Hepatitis C
    • Lipid Profile
    • Obesity
    • Anaemia
    • Blood Pressure
    • Chlamydia & Gonorrhea

    People between 20 to 30 years:

    • Blood Pressure
    • Lipid Profile
    • Eye Examination
    • Diabetes
    • Pelvic Examination or Pap Smear (For women only)
    • Hepatitis C
    • Breast Cancer Screening (For women only)

    People between 30 to 40 years:

    • Blood Pressure
    • Diabetes
    • Eye Examination
    • Lipid Profile
    • Dental Examination
    • Cancer Screening
    • Breast Cancer Screening (For women only)
    • Pelvic Examination or Pap Smear (For women only)
    • Hepatitis C
    • Testicular Examination (For men only)

    People between 40 to 60 years:

    • Diabetes
    • Blood Pressure
    • Heart Disease Screening
    • Cancer Screening
    • Cholesterol Screening
    • Osteoporosis Screening
    • Breast Cancer Screening (For women only)
    • Cervical Cancer Screening (For women only)
    • Prostate Cancer Screening (For men only)
    • Eye Examination
    • Dental Examination
    • Pelvic Examination or Pap Smear (For women only)
    • Bone Mineral Density Test (For women only)
    • Testicular Examination (For men only)

    People Above 60 years:

    • Blood Pressure
    • Cancer Screening
    • Diabetes
    • Cholesterol Screening
    • Eye Examination
    • Breast Cancer Screening (For women only)
    • Prostate Cancer Screening (For men only)
    • Pelvic Examination, Pap Smear and HPV Test (For women only)
    • Bone Mineral Density Test
    • Aneurysm
    • Hearing Test

    Summing It Up

    You may have heard that prevention is better than cure. Regular health check-up is the prevention you take to timely detect a disease before it becomes difficult to cure. Since preventive health check-ups are covered by most health insurance plans in India, you don’t need to worry about their cost at all. Just remember to go for a medical check-up once every year.

    Written By: PolicyBazaar - Updated: 22 September 2021

    Health insurance articles

    Recent Articles
    Popular Articles
    Does Health Insurance Cover Orthopaedic Surgery?

    09 Oct 2021

    Orthopaedic health conditions have become quite common in India...
    Claim Settlement Ratio Vs Incurred Claim Ratio - Know the Difference

    07 Oct 2021

    Every health insurance plan comes with unique benefits to attract...
    What Is The Right Age To Purchase A Health Insurance Policy?

    30 Sep 2021

    Every person must have a health insurance policy to deal with...
    Does Your Health Insurance Remain Valid If You Move Abroad?

    30 Sep 2021

    Health insurance is one of the best investments that you can make...
    Does a Health Insurance Policy Cover Depression?

    27 Sep 2021

    Stress is one of the biggest contributors to lifestyle diseases...
    Best Health Insurance Plans in India 2021
    Finding the best health insurance plan from so many different health insurance companies can get confusing for many...
    Top Maternity Insurance Plans
    Maternity or pregnancy is an important phase of life, and one needs to prepare in advance to embrace parenthood...
    Top Family Health Insurance Policies in India 2021
    From the air we breathe to the food we eat; everything is intentionally or unintentionally subjected to...
    Health Insurance Claims Ratio- Things You Should Look Before Buying Health Insurance
    There has always been a doubt in customers mind about whether the private company will keep its side of the bargain...
    Best Health Insurance Plans for Senior Citizens in 2021
    Considering the increasing percentage of medical inflation in India, it has become an absolute necessity to buy...
    Close
    Download the Policybazaar app
    to manage all your insurance needs.
    INSTALL