Present-day lifestyle is all about sedentary routines and unhealthy habits, leading to serious health issues. Hence, preventive health check-ups are highly advised.
However, apart from regular health check-ups, you must also own health insurance to avoid paying hefty medical bills. So, the question that generally arises in your mind is if you are spending on health insurance, should you separately invest in preventive health check-ups, or are they covered under health plans? Let us dig deeper to understand this.
Does Health Insurance Cover Preventive Check-ups for Health?
Generally, health plans, including senior citizen health insurance, offer preventive health check-ups as part of their coverage to a policyholder. Such medical check-ups are comprehensive by nature and can be used to evaluate the overall body analysis of the policyholder effectively, including their current health status.
Preventive health check-ups typically include an assessment of the policyholder’s heart health, organ health, and metabolic rate. Doctors use these test results to recommend changes in lifestyle or dietary changes to avoid developing diseases and to live a healthy life.
Additionally, preventive health check-ups also contribute to the detection of illnesses or diseases in their early stages.
Most trusted insurers include annual preventive health check-ups as part of their insurance plans so that you do not have to pay from your pocket to avail this facility.
How to Avail Preventive Health Check-up from Health Insurance?
It is fairly easy to avail of annual health check-ups as part of your health insurance coverage. You can either visit one of the insurer’s network hospitals or alternatively visit a diagnostic laboratory or hospital that you prefer and file a claim for the expense you incur.
Always remember to go through the policy wording so that you know how much reimbursement you can expect from your insurer.
Comprehensive Preventive Check-up – Benefits
- Detection of health problems that run in your family.
- Diagnosis of health disorders before they get worse.
- Lowers your expenses related to treatment through early illness diagnosis.
- Gives you insight on how your vitals are performing.
- Paves a way for you to lead a healthy and active lifestyle.
- Helps you build a relationship with your doctor, who can guide you into living a healthier life.
- It provides you with Section 80D preventive health check-up proof for tax deductions.
Tests Performed as part of Preventive Health Check-ups
Here are some common tests/screenings performed under annual health check-ups:
- BMI Screening
- Cancer Screenings
- Cholesterol Levels
- Glucose Levels
- Dental Clean-ups and Check-ups
- Breast Scanning
- Blood Pressure Levels
- Pap Smear Test (for Women)
- Type-2 Diabetes Risk Analysis
- Eye Check-ups
- Cardiovascular Disorders Risk Analysis
- Mammogram
- Prostate-specific Antigen
- Audiometer Test
- Bowel Cancer Test
- Osteoporosis
Conclusion
So now that you know how health insurance covers preventive health check-ups for your overall improved health, you should make the most of this coverage option to build a healthier life for your future. Moreover, these check-ups will give you better insight into your current health, allowing you to make improvements and take steps to prevent diseases.
Taking full advantage of the preventive care offered by your health insurance ensures you are working towards long-term well-being. It also provides peace of mind, knowing you are financially protected.
Leave a Comment
You must be logged in to post a comment.