Preventive Health Care Plan

Features of Preventive Health Care

Preventive Health Care Plan is a comprehensive plan designed to provide a breadth of benefits to the customers like –

Free health check-up all round the year
Free doctor consultation even on phone
Discounts on tests at diagnostic labs, pathology and radiology labs
Concessions at pharmacies
Benefits on dental services
Discounts even on big treatments in addition to diagnosis and consultation services
Saves tax under section 80(D)

Availing Preventive Health Care is a simple 3 step task. Firstly, you need to dial the helpline number on your membership card and describe the medical problem to the representative – secondly, he will guide you to a specialized doctor for diagnosis – thirdly, you get your medical treatment done with the card without spending money now-and-again.

Difference between Heath Insurance and Preventive Healthcare plan

Health Insurance	Preventive Healthcare Plan
It is either denied to old aged or a higher premium is charged to get them insured	Old aged are welcomed to get this plan and the same fee is charged for all the ages
Pre-existing ailments excluded up to the waiting period	Pre-existing ailments included
Premium is usually high	Annual membership fee is comparatively low
Dental services excluded	Dental services included
Pathology and radiology services excluded	Pathology and radiology services included
The claim process is time-taking	Simple and fast availing of services
Covers hospitalization expenses	Covers normal day to day medical expenses
Cover is limited and exhaustible	There’s no limit to the card usage
Covers serious illnesses	Covers diagnostic and preventive services

Understanding the need of preventive health care, various insurance companies have integrated this plan thereby spreading awareness among people regarding the same. Few plans are –

Preventive Health care Packages

Regular plan – As per this preventive health care plan, one can approach the doctor for regular health checkup and stay prevented against any disease.
Family plan – Here every member of the family can avail preventive health care irrespective of age or gender.
Child plan – Child preventive health care insurance plan authorize parents to take their child (between 0 to 13years of age) for regular checkups to the doctor.

One should opt for any plan considering his/her needs. Even customized plans are available today which are sure to prove as a great money savior. Preventive Health care plan is must to be availed as it is always better to get cured before disease reach to their irreversible conditions.