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.
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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.
The following are the key benefits of undergoing preventive health check-ups regularly:
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.
Take a look at the major preventive medical tests that you must undergo as per your age:
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.
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