The majority of the health insurance plans let the policyholders avail themselves of free health check-ups once every 2, 3 or 4 years depending upon the conditions mentioned in the policy. With advancing medical sciences it has become easier to detect risk factors which makes it easier to cure them and prevent diseases.
What is meant by free annual health check-up?
These are full body check-ups that are undertaken in order to track the overall health of oneself. It is suggested that individuals should undergo a full body check-up at least once in a year, especially when they start moving towards their old age, roughly in their 40s, 50s and thereafter. This is done to diagnose illness or disease at an early stage. Numerous insurance companies offer the free annual health check-up as part of the insurance policy.
Benefits of free health check-up
Regular health check-ups have numerous benefits. Below listed are the major benefits:
- It ensures early diagnosis which helps in identifying any underlying health issue or disease. For example, keeping a regular check on your blood sugar levels can help you in avoiding the chance of developing diabetes.
- It helps you in monitoring your overall well being and health. This can further assist you in making changes in your policies accordingly. This shall help in tracking the overall health of an individual and make suitable changes in lifestyle and dietary plans accordingly.
- It will help you plan your healthcare costs and save accordingly. Regular health check-ups give an insight into the need to save money and how much to save for future healthcare expenses.
How to avail the benefits with your policy?
Different insurance companies have different terms and conditions for health check-ups. These vary across the time duration, number of tests, nature of tests, deduction from the premiums, etc.
Various companies offer a complimentary health check-up on renewal of insurance policy. It is advisable to go through the terms of this complementary health check-up. Other companies will offer a free health check-up only for the claim-free years as an additional benefit to encourage the individuals for a healthy lifestyle.
There is also a myth that a health report with a disease or ailment will affect the insurance policy claim. Owing to this myth, they abstain from getting themselves checked. However, this is not true, your report will not tamper your policy claim.
Once you have availed the insurance policy, your premium and cover will not depend on the health check-ups, the insurance company only takes into account the pre-existing diseases.
To conclude, it is very important to read the terms of the annual health check-up offered by the insurance policy. Some companies offer the check-up once every year, others offer it once every 2 years. Some offer individual tests while others offer profile check-ups.