Health is our biggest wealth. We do everything we can to keep ourselves healthy and fit. In recent years, many people have started exercising and watching their diet to maintain a healthy routine and avoid contracting various lifestyle diseases. With the costs of medical treatments rising, people are increasingly opting for health insurance plans that offer coverage for various medical costs. The best health insurance plans offer a range of benefits apart from hospitalisation coverage. These include free annual health examinations for the policyholder. In this article, we will talk about the annual health check-up offered with medical insurance plans.
What is the Annual Health Examination Offered with Medical Insurance Plans?
When you buy health insurance, many insurers offer free annual health check-ups to the insured person as a part of the plan. These check-ups are designed to help you assess your medical condition and determine if you are at any health risk. Usually, these check-ups include a thorough and complete body assessment, including your organs, physiological processes, etc. The results help doctors prescribe preventive medicines and help avoid serious medical conditions.
What Do Annual Health Examinations in Health Insurance Entail?
Here is a list of some of the common tests under annual health exams offered by health insurance providers:
- Blood pressure test
- Blood sugar test
- Complete Blood Count (CBC) report
- Electrocardiogram or ECG
- General physical examination
- Kidney Function test
- Liver Function test
- Lung Function test
- Lipid profile
- Pap Smear
- Sonography
- Tests for vitamin levels and deficiencies in your body
- Urine test
Is Health Checkup Included in Health Insurance?
Not all health insurance policies offer free annual health check-ups. While some plans might not offer it at all, others might offer a health check-up once every 2-3 years. Hence, before you buy a plan, you must ensure that you check if the provider offers annual health check-ups as a part of the package. With most people buying online health insurance, it has become easier to compare features and find the best plan for your needs.
What is the Benefit of an Annual Health Check-up with the Health Insurance Policy?
Here are some essential benefits of buying a medical insurance policy that offers annual health check-ups:
- Allows you to monitor your health at regular intervals. This can help you to stay on top of your health condition
- It makes early diagnosis of diseases possible. Therefore, doctors can start treatment early and prevent extensive damage to the body
- Since you are aware of the condition of your body, you can make minor alterations to your lifestyle to live a healthier life
- Since health insurance policies usually offer annual health check-ups for free, you save a lot of money that you would otherwise spend getting these tests done yourself
Things to Keep in Mind While Shortlisting a Health Insurance Policy with an Annual Health Check Up
Please keep the following things in mind when you are looking for a health insurance policy with free annual health check-ups:
- Make sure that the insurer offers health check-ups every year. Many insurance companies offer a free health check-up once every two/three years.
- Some insurance providers allow you to avail of the free health check-up only if you fulfil the criteria of having certain claim-free years. Make sure that you understand all such terms before making the purchase
- Check if the insurer insists on getting the health check-up done at a network hospital or offers a certain amount as reimbursement if you get it done elsewhere
- Take down the list of tests covered under the free health check-up benefit
Conclusion
We live stressful lives leading to unhappiness and health complications. Therefore, it is important to get yourself checked regularly so that you can be aware of any early signs of disease and take corrective measures immediately. When you decide to buy a health insurance plan, make sure that you consider plans that offer free annual health check-ups with minimal conditions.
