Preventive Health Care Plan – A Quick Guide

Disease prevention is always better than seeing a doctor for a cure. Regular checkups and preventive care can help you detect diseases at an early stage so that they do not evolve to be a silent killer. Unlike regular health insurance plans, preventive healthcare plans aim to bring expensive preventive health check-ups within the reach of common people. Know everything about preventive healthcare plans.

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      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. 

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