What You Must Know about Free Medical Check-up Feature in Health Plans ?


How is a Free Medical Check-up Beneficial For Policyholders?

The way a nutritious diet and regular exercises are keys to staying healthy, routine health check-ups are also essential to detect ailments early and minimize health risks. Healthcare costs in India, including the expenses of medical screenings, are quite high. Health insurance plans offer a shield to one’s hard-earned savings in times of medical emergencies that could lead to huge expenditures.

A free medical check-up is a feature that comes with health insurance policies offered by various insurers in India. Religare Health Insurance, for instance, offers free annual health check-up as part of its health plans namely ‘Care’ – a family health cover and ‘Care Freedom’ – a specific health cover for people with diabetes.

Let us understand the benefits of free health check-ups with health policies:

Saves Expenses

As stated above, health check-ups involving various diagnostics tests are expensive in India. Regular checks can impact a family’s budget significantly. A full-body medical check-up can cost up to Rs 3,000. Hence, the free health check-up feature helps in curtailing the expenditure.

Policy buyers should note that the amount of free check-up may vary from insurer to insurer and also on the sum insured. Moreover, the number of free check-ups may differ between individual health policy and family floater policy. Religare Health Insurance offers an annual health check-up feature even when the policyholder has filed a claim in the same year.

Reduces Health Risks

Through timely check-ups, medical problems are identified and nipped in bud before they become a serious ailment. For instance, detecting high blood sugar early can help in controlling diabetes and preventing various complications associated with the disease.

Early detection of health issues also helps in minimizing huge expenses at a later stage.

Helps to Detect Potential Disease

The threats of a potential disease can be identified with a simple blood test and this way the risks of life-threatening conditions can be avoided. This is particularly true if the person has a family medical history. Medical checks also help in getting a clear picture of one’s overall health condition.

Blood tests are helpful for doctors when it comes to assessing the functions of vital organs in the body such as heart, kidneys, and liver.

Some people believe that their insurance premium might be affected if any ailment is detected during the check-up. However, this is not so as insurers only consider pre-existing ailments at the time of buying a health insurance policy.

Gives Direction for Treatment

Those already suffering from a medical condition like hypertension or diabetes can know about their present state of health and their progress with medication, through medical check-ups. This would also give an idea about the right kind of treatment or any change of medication required for a person.

Recognize Stress-related Disorders

Given the fast-paced lifestyle most of us lead, stress becomes a natural consequence and can have serious effects on health. Some stress-related disorders include hypertension, high blood pressure, depression, and gastrointestinal issues. It is only through timely medical check-ups can these problems be detected and cured.

How to Avail Health Check-Up under your Policy?

Firstly, policyholders must contact their insurer. They may be required to fill a form online. Usually, insurance companies list the diagnostic centers or hospitals, which are part of their network, from where their customers can avail of the free medical check-up using a health card. If the customers want to get the tests done at a non-network center, they can do so and get the expenses reimbursed later.

Religare Health Insurance offers free health check-ups that include Fasting Blood Glucose, ECG, Complete Blood Count, Lipid Profile, Urine Routine, Kidney Function Test and Chest X-Ray.