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Annual health check-up benefit under Care Health Insurance helps assess your health and track your overall well-being. The annual health check-up list includes medically relevant tests designed to catch early signs of health issues, even if you feel perfectly fine.
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An annual health check-up is a preventive medical assessment provided once every policy year for each insured person. We arrange your annual physical check-up at one of our network providers in India through a completely cashless process. You simply raise a request, and your appointment is arranged using the internal annual health check-up form or format.
This benefit covers the expenses and does not reduce your available Sum Insured.
The insurance company includes this benefit to help you proactively monitor your health through age-appropriate, medically recommended testing. Even if you feel healthy, the annual health check-up can identify early signs of risk, metabolic changes, and organ-level stress that may not show visible symptoms.
The benefit is preventive in nature and helps ensure long-term wellness planning. Using this check-up does not reduce your Sum Insured and helps improve your health awareness over time.
Annual health check-up benefit is available through our vast network of diagnostic partners. You can easily find centres similar to searching for an annual health check-up near me using our provider locator.
Key advantages include:
Your recommended tests depend on your age and the Sum Insured amount of your policy. Younger members receive tests related to growth and fundamental health indicators, while adults receive a broader medical diagnostic panel. A higher sum insured brings additional heart health evaluation through a treadmill test. This makes the annual health check-up structured and relevant.
Children below 18 undergo a tailored annual health check-up list focused on growth, dental health, eye screening and physical development. This includes BMI measurements, growth charting, doctor consultation and urine examination. This format ensures age-relevant health assessment and guidance. The format is designed to pick up any early developmental or nutritional deficiencies.
Adults undergo a comprehensive annual health check-up test panel that includes CBC, urine routine, ESR, fasting blood sugar, and a complete cholesterol profile, among others. If your Sum Insured is above 10 lakh, you also receive a treadmill stress test to check heart resilience.
| Sum Insured | Medical Tests Covered |
|---|---|
| 5L to 10L | CBC, Urine routine, ESR, ABO group and RH type, blood sugar fasting, uric acid, kidney function tests including creatinine, blood urea nitrogen, bun/creatinine ratio, and full lipid profile including cholesterol, LDL, HDL, triglycerides and total cholesterol/HDL ratio. |
| Above 10L | Includes all tests from set 1 plus a treadmill test. |
The process to schedule and complete your annual health check-up is designed to be simple and entirely cashless for maximum convenience.
Family Health Insurance centralises coverage while providing individual annual physical check-up privileges to each member. Each member receives tailored annual health check-up tests based on age and health needs, ensuring a cost-effective and systematic family-wide preventive approach.
Fasting may be required for accurate results in specific diagnostic procedures (e.g., blood sugar, and lipid profiles). Fasting guidelines are provided during scheduling to ensure reliable outcomes.
Read more: Does Your Health Insurance Offer Coverage for Annual Health Checkups?
Why Choose Care Health Insurance?
We offer comprehensive plans for individuals and families backed by unique benefits such as annual health check-ups. With an extensive network of 21,700+ healthcare providers, high diagnostic quality, and a simple cashless process, we ensure a smooth customer experience. As qualified professionals review our network facilities and testing protocols, accuracy and reliability are guaranteed.
My appreciation for your prompt service
Rahul Sangwan
Health Insurance
We will continue to avail of your scheme
Samanway Barik
Health Insurance
Everything went very smooth
Soubhagya K Kulkarni
Health Insurance
Really helpful explaining the process in advance
Vaibhav Rai
Health Insurance
This Annual Health Check-Up benefit is available only once per Policy Year for each Insured Person.
You request it through Care Health Insurance, and it is scheduled at a network facility using the cashless system.
They are provided by the company’s network providers in India.
No, availing this benefit does not reduce the overall Sum Insured of your policy.
No, the list of medical tests specified for the Annual Health Check-up varies depending on whether the Insured Person is below 18 years of age or 18 years of age or above on the Policy Period Start Date.
Yes, the checklist includes a doctor’s consultation.
Yes, for insured persons aged 18 or older, the covered medical tests depend on the sum insured.
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Disclaimer: This article is for educational purposes. The list includes the most prominent heart hospitals that may or may not be a part of the Care Health Insurance network of hospitals. However, we aim to provide helpful guidance to the readers in this regard.
**Number of Claims Settled as of of Dec 2024.
^^Number of Cashless Healthcare Providers as of Feb 2025.
^10% discount is applicable for a 3-year policy
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