Annual Medical Check-ups in Health Insurance: All You Need to Know

Regular health check-ups are important to keep a track of your health and detect diseases on time. Experts suggest everyone to undergo a preventive health check-up at least once a year. A regular person may consider the cost of an annual health check-up an unnecessary expense but people with health insurance can avail this facility for free. Let’s find out how.

Read More

Policybazaar exclusive benefits
  • 30 minutes claim support*(In 120+ cities)
  • Relationship manager For every customer
  • 24*7 claims assistance In 30 mins. guaranteed*
  • Instant policy issuance No medical tests*

*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

Back
Find affordable plans with up to 25% Discount**
  • 1
  • 2
  • 3
  • 4

Who would you like to insure?

  • Previous step
    Continue
    By clicking on “Continue”, you agree to our Privacy Policy and Terms of use
    Previous step
    Continue

      Popular Cities

      Previous step
      Continue
      Previous step
      Continue

      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

      Previous step

      When did you recover from Covid-19?

      Some plans are available only after a certain time

      Previous step
      Advantages of
      entering a valid number
      valid-mobile-number
      You save time, money and effort,
      Our experts will help you choose the right plan in less than 20 minutes & save you upto 80% on your premium

      What are Annual Health Check-ups in Health Insurance?

      Annual health check-ups are a benefit provided under several health insurance plans where the insured becomes eligible for a free medical check-up every year. The medical check-up helps the insured to evaluate his/her current medical condition every year and check if he/she is at the risk of contracting a disease. It conducts complete body analysis that includes heart health, organ health, metabolism rate, etc.

      Medical check-ups also monitor various critical parameters in a person, such as blood sugar levels, blood pressure, etc. They also help the doctor to suggest preventive measures to the insured in order to lead a healthy lifestyle.

      List of Medical Tests Covered in the Annual Health Check-up Facility

      Some of the most common tests covered by free annual health check-ups under health insurance are:

      • Complete Blood Count (CBC)
      • Blood sugar test
      • Blood pressure test
      • General physical examination
      • Urine test
      • Kidney function test
      • Lipid profile
      • Tests for vitamin deficiencies
      • Liver function test
      • Lung function test
      • X-ray
      • ECG
      • Sonography
      • Pap smear

      Benefits of Buying Health Insurance with Annual Health Check-ups

      Take a look at some of the key benefits of buying a health insurance policy with an annual health check-up facility:

      • Keeps a Track on Health – Free annual health check-up in health insurance enables people to monitor their overall health regularly. It assesses the functioning of different organs periodically and thus, helps to keep a track of a person’s health.
      • Early Disease Diagnosis – One of the primary importance of annual health check-ups is that it helps in the early diagnosis of a disease. Thus, it enables the patient to control the spread of the disease at a nascent stage by starting the treatment at the right time.
      • Helps to Lead a Healthy Life – With annual health check-ups, the insured is aware of the present condition of his/her body. This makes it easier for him/her to take conscious steps to stay fit and lead a healthy life, thereby, improving the status of underlying health conditions.
      • Saves Money – Buying a mediclaim policy with free annual health check-ups enables the insured to save money in the long run. To begin with, he/she can get a health check-up done for free. Also, with an early diagnosis of the disease, it can be controlled on time and thus, expensive surgeries and therapies can be avoided.

      Is Annual Medical Check-up Facility Available Under All Health Insurance Plans?

      No.

      Not every health insurance plan offers a health check-up facility every year. While a few plans may not offer this facility at all, some plans may provide the preventive health check-up facility after every two, three or four years. Besides, most plans provide this facility only after a pre-specified period of claim-free years. For example, some plans may offer free health check-up facility after every 3 consecutive claim-free years.

      Therefore, it is important to check the terms and conditions of preventive health check-up facilities before buying a policy.

      Factors to Consider While Buying Health Insurance with Annual Health Check-ups

      Check out a few essential factors to consider while buying a health insurance plan with an annual health check-up facility:

      • Frequency of Health Check-up – Before buying a health policy with a medical check-up facility, check how often the facility will be available. Check if the facility is available every year or after every two or three years.
      • No Claim Clause – Several health plans cover the cost of medical check-ups only after a pre-specified number of claim-free years. Therefore, before buying a policy, make sure to check if the availability of a health check-up facility depends on not raising a claim or not.
      • Cashless Facility – Most health insurance companies will offer annual health check-up facilities on a cashless basis only if the tests are conducted at one of their network hospitals. Therefore, make sure to check if the policy offers medical check-up facilities only at network hospitals or non-network hospitals as well.
      • Medical Tests Covered – Before opting for an annual health check-up covered by insurance, check the list of medical tests covered. If the policy does not cover essential medical tests, there is no point in buying it.
      • Tests vis-à-vis Sum Insured – Under most health plans, the number of tests covered in annual health check-ups depends on the sum insured opted by the policyholder. Usually, the higher is the sum insured, the more is the number of tests included. Hence, check if the policy covers medical tests based on the sum insured and make an informed decision. Do not opt for a sum insured that you do not require as it will increase your premium.

      Summing It Up

      Annual health check-up is the only way to keep a regular tab on a person’s health. With health insurance, policyholders do not have to worry about the cost of annual health check-ups. Just make sure to keep the above-mentioned factors in mind before buying a health policy with a free annual health check-up facility.

      Search
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

      Health insurance articles

      Recent Articles
      Popular Articles
      Is a 10 Lakh Health Insurance Adequate in Your City?

      10 Jan 2024

      An ongoing medical inflation of 14 percent in India (the highest
      Read more
      Dental Treatment Coverage from Star Health Insurance

      21 Dec 2023

      The rising costs of healthcare services have made it necessary for
      Read more
      11 Reasons Why Senior Citizens Should Buy Aditya Birla Activ One Plan

      05 Dec 2023

      Health insurance is one of the biggest assets that senior citizens
      Read more
      10 Reasons Why Your Health Insurance Claim Can Get Rejected

      01 Dec 2023

      Health insurance plans add a layer of invisible protection against
      Read more
      Knee Replacement Surgery Cost in India

      30 Nov 2023

      Knee pain has become a very common ailment in India, with over 15
      Read more
      How to Apply for Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY)?
      Ayushman Bharat Yojana is a flagship health insurance scheme launched by the Government of India to offer universal
      Read more
      Best Health Insurance Plans for Senior Citizens
      Senior citizens are the most prone to diseases. Considering the medical inflation in India, buying health insurance
      Read more
      10 Major Benefits of Ayushman Bharat Yojana
      Pradhan Mantri Jan Arogya Yojana (PM-JAY) is the second component under Ayushman Bharat Scheme. PM Narendra Modi
      Read more
      Does Health Insurance Provide Coverage for LASIK Eye Surgery?
      A vast majority of the Indian population is suffering from vision problems. For some of them, LASIK eye surgery is
      Read more
      How Senior Citizens can save Tax with Medical Bills u/s 80 D?
      Senior citizens can save on income tax by availing tax benefits on medical expenses under Section 80D of the Income
      Read more

      top
      Close
      Download the Policybazaar app
      to manage all your insurance needs.
      INSTALL