Medical insurance is a necessity in this day and age when medical care and their associated expenses have become an integral part of our lives. Among the various benefits available in health insurance policies, annual health check-up is one that is indeed helpful to policyholders. Many health experts emphasise on the need to go for regular medical check-ups, as it is the right way to a healthy lifestyle.
Many policyholders are not aware of how useful this feature could be. Some are them think that a diagnosis of an ailment or if the test results are not satisfactory, it could lead to a higher premium, but it is not true. Health insurance companies like Care Health Insurance (Formerly Religare Health Insurance) offer this feature to policyholders mainly to encourage them to keep track of their health status and lead a healthy life.
This article will provide you a complete guide about annual medical check-ups in health insurance plans.
How to avail of the Annual Health Check-up Benefit?
Annual health check-ups involve various diagnostics and screening tests. They are necessary as they help in getting a clear picture of a person’s health condition and detecting illnesses early on. One cannot ignore the importance of early diagnosis of an ailment as it helps prevent serious health complications. For people who already have a medical condition, a health check is a guide for getting the right treatment.
An insured person can avail of this facility in a health insurance policy once in a policy year. This facility is available even if the policyholder has filed a claim in that year. A health insurance policy would cover a list of medical tests, as mentioned in the policy documents. So, it is advisable to read the policy documents carefully to avoid any hassle.
Moreover, a policyholder can enjoy the cashless facility for getting the annual medical check-up from any empanelled service provider. To avail of this feature, the insured person must contact the health insurer to schedule a health check-up. One can choose any diagnostic centre, which is a part of the insurer’s network and avail this facility using a health card.
The results of the medical tests will not impact the premium amount. That may be considered if policyholders plan to increase the sum insured at the time of policy renewal.
With an annual medical check-up, you can see the early signs of ailments. Many hidden diseases can harm our health in the long run. For instance, hypertension is known to be a silent killer as there are no specific symptoms, but it can harm heart health if left untreated. Various medical conditions can be detected easily through a simple medical test. Therefore, preventive health care, like annual health check-ups, is vital.
You can visit the website of Care Health Insurance (Formerly Religare Health Insurance) to find the best health insurance for your needs. Avail of the annual health check-up benefit that includes Complete Blood Count with ESR, Urine RE, Blood Group, Blood Sugar, Lipid Profile, ECG, and Kidney Function Test. You can also choose to upgrade your annual health check-up to Diabetes Health Check-up or Cardiac Health Check-up that covers a set of medical tests, as mentioned in the policy documents.