Did You Know Health Insurance Gives FREE Medical Check-up?

Yes, it is true. Your health insurance policy allows FREE medical check-up. However, there are many people who don’t know how to avail it while others fear that it may escalate the premium rates.

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
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

    It’s time to break the myth. The medical test results have no impact on the policy. These are used only for underwriting purpose if the policyholder wants to increase the sum insured at the time of policy renewal. Undergoing medical test, on the other hand, is important and you should get it done at least once a year not just for the sake of insurance procedure but also for yourself.


    Here’s how you can get a free medical check-up from your health insurer.

    Contact the insurance company

    Call up at the toll-free number of the health insurance provider or visit the nearest branch to schedule the health check-up. After verifying all details, the insurance company will revert back with a confirmed date, time and location as per the policyholder’s preference. An authorization letter is sent to the insured which has to be presented at the diagnostic centre along with the health card.

    For fast service and convenience, it is advised to get your tests done at network hospitals. If a test is done at empanelled hospitals or centres, the customer is not asked to pay anything as all charges are settled by the insurer as per the agreed rates. However, if a customer opts to get all tests done in a lab of his choice then he can apply for the reimbursement.

    Check the Cost of Tests

    Various diagnostic centres have different charges, so the policyholder must carefully read the policy document to know how much cost will be reimbursed by the insurer. For instance, United Insurance Company reimburses the health-check-up cost, which is limited to 1% of the average sum insured of 4 claim free years. Some insurers specify the tests instead of the amount. For example, Bajaj Allianz health insurance has specified the number of tests instead of defining the amount.

    List of Medical Tests

    Mainly the tests include blood sugar, blood count, urine test, cholesterol check, PPBS (postprandial/lunch blood sugar), ECG, complete blood count, etc. Insurers like Bajaj Allianz cover the routine medical examination of the policyholder.

    The relevance of Claim-Free Years

    According to the policy wordings of most of the insurers, the benefit of free medical test is available only after a block of claim-free years, which could vary between 4-5 years. For instance, SBI General allows free medical check-up for every 4 claim free years. It means you can exercise free medical test option only in the 5th year provided the last four years are claim-free.

    However, there are insurers like Religare Health Insurance which offer health check-ups to the policyholder (s) every year, irrespective of the medical claim made in the previous year.

    Time to take charge of your health

    A routine medical test is important to identify problems before they become serious. So call up your insurer and schedule your free medical test as it will NOT increase the premium.

    After all, Health is Wealth!

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

    Written By: PolicyBazaar - Updated: 29 June 2021
    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
    Bid Goodbye to Seasonal Diseases during the Pandemic with 7 Basic Practices

    21 Sep 2021

    Adding to the insurmountable loss of life the ongoing COVID-19...
    What is the Survival Period in Health Insurance?

    21 Sep 2021

    The prevalence of critical diseases in India has increased...
    Health Insurance for Autoimmune Diseases in India

    16 Sep 2021

    Every human body comes with an immune system to fight against...
    Does Health Insurance Cover Multiple Sclerosis In India

    15 Sep 2021

    Due to a hectic lifestyle leading to unnecessary stress and...
    Critical Illness Insurance Policy For Stroke Patients In India

    14 Sep 2021

    Medical emergencies are unpredictable and it brings a lot of...
    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...
    Download the Policybazaar app
    to manage all your insurance needs.