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


what you must know about annual health check up feature in health plans

How is Annual 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.

Annual health check-up is a feature that comes with a health insurance policy. Care Health Insurance (Formerly Religare Health Insurance), for instance, offers 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 annual health check-ups with health insurance plans:

Saves Expenses

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. Insured persons can avail cashless facility for annual health check-up done at any empanelled service provider. 

Care Health Insurance (Formerly 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 your insurer will consider pre-existing ailments only at the time when you buy 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. When buying a policy, they must get the list of diagnostic centers or hospitals, from where they can avail of the health check-up using a health card. If they want to get the tests done at a non-network center, they can do so and get the expenses reimbursed later.

Care Health Insurance (Formerly Religare Health Insurance) offers annual health check-ups that include Fasting Blood Glucose, ECG, Complete Blood Count, Lipid Profile, Urine Routine and Kidney Function Test.