How You Can Get Free Medical Check-ups under Your Health Insurance?

The health insurance industry in India has undergone a series of transformations as a part of an evolutionary process. As a result of this, there have been numerous changes in health insurance plans made by providers to compete and stay in the market. One such change as a part of this evolution is the provision of free medical check-ups with health insurance in India.

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    Free Medical Check-up: The Importance!

    In today’s era, almost every provider offering health insurance provides free medical check-up with mediclaim policies. Different insurers have different terms, conditions, and provisions when it comes to a free medical check-up with health insurance in India. Just the way a balanced diet, controlled lifestyle, and regular exercise are vital for good health, medical check-ups are crucial to ensure early detection of ailments and diseases. 

    The cost of quality health care services in India is quite high and therefore with the feature of free medical check-ups with the mediclaim policy allows buyers to save money and take care of their health. If you are planning to buy health insurance in India, make sure you go for a plan that comes with the feature and provides best in class services.

    Benefits of Free Medical Check-up Feature

    To make it easier for you, we will share some benefits of free medical check-up along with some tips and tricks that will help you to get it easily. Here you go:

    • Financial Savings

      The first and foremost point that draws attention when it comes to free medical check-ups with health insurance in India is the savings. As mentioned earlier, the cost of healthcare services and medical examinations is quite hefty and might burn a hole in your pockets. However, with free medical check-ups that come complimentary with mediclaim policies, policyholders can save money and take care of their health. 

    • Mitigated Health Risks

      With the help of timely medical check-ups, one can get a fair idea of the status of their health that helps them their lifestyle and habits accordingly to lead a better life. With regular check-ups, the possibility of diseases getting developed and later complicating is ruled out which makes them vital for all classes and groups of policyholders. 

      Common lifestyle disorders such as hypertension, diabetes, can get extremely complicated life-threatening if not treated timely or left untreated. Free medical check-ups help the policyholder to diagnose these medical conditions in the early stages, which play a major role in contributing to a healthier and longer life of the policyholder and the covered members. 

    • Right Direction for Right Treatment

      Free medical check-ups that come hand in hand with health insurance in India is not just limited to saving money and mitigating health risks. With these timely and regular check-ups, you can make alterations in your base plan by adding auxiliary covers such as terminal/critical illness insurance. Moreover, these examinations help policyholders and covered members to seek the right treatment based on the early diagnosis of their illness via a health insurance plan. This reduces the probability of complications arising in the treatment of ailments and related health conditions. 

    • Early Diagnosis of Stress and Lifestyle Disorders

      Modern-day lifestyle, food habits, and high levels of stress have contributed extensively to the number of lifestyle and stress-related disorders all across the globe. Timely medical check-ups help policyholders in the early detection and treatment of these ailments. With the right knowledge of one’s health status and the right treatment, quality, and longevity of life can be improved dramatically. 

    How to Avail Free Health Check-up with Health Insurance in India

    Very often policyholders are aware of the benefits available with their health insurance plan but are unaware of the procedure to claim these benefits. Considering this point, in this section of the thread, we will provide a detailed insight into the process of availing of free health check-up with health insurance in India. Here’s a rundown-

    • The first step in the process is to inform your health insurance provider that you want to avail of this benefit associated with your health insurance in India. The details and gradations of the feature tend to vary from provider to provider. 
    • Once you’ve informed your provider, your request will be acknowledged by the concerned team and you will receive a confirmed authorization letter.
    • With the confirmed letter you can visit the diagnostic centre with the required documents to undergo a free medical examination. 
    • If you visit partnered health-centre for the test you will not have to pay anything from your pocket as the charges are adjusted in the coverage limit. On the other hand, if you visit a non-partnered centre, you will have to pay for the test and later file a request for reimbursement. 

    Final Wordings!

    A free medical examination is an extremely beneficial feature of health insurance in India and since now you are aware of the nuances of it, you can use it the right way. It not only saves money but also helps you to stay informed about your health status that contributes extensively to better quality and longevity of life. 

    Written By: PolicyBazaar - Updated: 02 August 2021

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