Did You Know Health Insurance Offers Free Medical Check-Up?

We all opt for health insurance policies, as it offers cover against skyrocketing medical treatments. The policyholders also receive reimbursement for pre-hospitalization and post-hospitalization periods along with inpatient hospitalization. The expenses under inpatient hospitalization usually include doctor’s fees, medical bills, room charges, boarding, nursing expenses, ICU charge, etc. Apart from these basic benefits, you can also receive the advantage of a Free Medical Check-Up as a part of your health insurance plan. In spite of this benefit, only a few policyholders use this facility. A lot of individuals are not aware of the feature, maybe because insurers don’t advertise it much. Some individuals also feel that test reports might increase premium rates, which is not true.

When can You Avail This Benefit?

Usually, the insurers offer Free Medical Check-Up facilities after a certain period of claims-free years. For most insurers, this block of claims-free year range from two to five years. This means if you haven’t made a claim for the specified number of years as mentioned in your health policy, you can enjoy a Free Medical Check-Up. The health insurance companies that offer free health check-up benefits through a block of four claim-free years include Bajaj Allianz General Insurance, HDFC ERGO, SBI General, etc.

Insurer-specific free health check-up

Though it is a norm to offer Free Medical Check-Up after a block of four claim-free years, a lot of insurers offer policies with some unique health check-up benefits.

Royal Sundaram: The customers enjoy free annual health check-ups with Royal Sundaram under Lifeline Supreme and Lifeline Elite. The company offers free annual check-ups every two years under its Lifeline Classic Plan, which has a sum insured between two to four lakhs.

ICICI Lombard: Under ICICI Lombard Health Insurance policy, ICICI Lombard offers free annual health check-ups at centers designated by the company. Under its floater policies, the policyholder receives a maximum of two coupons every year.

Star Health Insurance: Unlike other policies, Star Health Insurance offers health check-ups for every block of three claim-free years. The policy also covers second medical opinions and air ambulance assistance.

Care Health Insurance: Every policyholder receives a free health check-up regardless of the plan selected. The plans from Care Health Insurance include Super Saver (2, 3, 4 lacs), Elite (5, 7, 10 lacs), and Elite Plus (15, 20, 25, 30, 40 lacs). The values in the brackets are the sum assured of the respective plan.

How To Apply For Free Health Check-Up?

The policyholder needs to call toll free number of the insurance company or visit the insurer’s office to avail of the facility. A lot of companies also ask individuals to send an email for this request. Health insurance companies, like Baja Allianz, have an online form on their portal through which the insured individuals can apply for free medical check-up benefits.

After receiving the request, the insurer verifies the details and reverts back with an authorization letter. The policyholder needs to carry the letter, along with their health care, while visiting the diagnostic center. The companies usually specify the centers where the customers can get their check-ups done.

A lot of insurers also allow the customers to go for a check-up in a lab of their choice and receive reimbursement from the insurance company.

Which Health Tests Are Included In The Policies?

Usually, the insurers offer the following medical examinations free of cost:

• Blood sugar test
• Blood count test
• Urine test
• Electrocardiogram (ECG)
• Complete blood count test
• Cholesterol checkup

Some companies, like ICICI Lombard, also include routine medical examinations in their policy.

Well, do you know that your health insurance policy offers you a Free Medical Check-Up, but your health insurance indeed offers you a free medical checkup? We always predict our life but we are never sure about our plans just because, we know that we have to face reality and uncertainties are the truth of our life and maybe that’s why services like Free Health Checkups are available with your health insurance coverage. Let’s know about that plan who takes care of your health more than you

HDFC Ergo Energy Policy

Energy policy is one of the complete health insurance policies, divided into two variants of their service.  Gold and Silver variants, with the benefits like free health checkups and covering critical illnesses (diabetes, hypertension & blood pressure). Incurred claim ratio of HDFC Ergo in FY 2019-20 is quite good. It shows the reality of the company, data that gives more confidence about the particular company to their audience and HDFC Ergo comes a long way in terms of service and serving people too.

Benefits:

The benefits of energy policy are divided into three different steps:

Know the plan better – Whatever & whenever you buy something new, there is a disclaimer with that product or service to know about the product or service. In terms of insurance service, you should also try to cover everything inclusion and exclusion under the plan’s coverage.

• Ambulance coverage
• Organ Donor
• Pre & Post Hospitalisation
• 182-day care procedures
• Share accommodation benefits

Wellness Tests – There are only two medical checkups available with this policy, and under the gold plan variant, you will get a cashless wellness test in any network hospital.

Wellness Test 1: HbA1c, Blood Pressure Monitoring, BMI

Wellness Test2: Wellness Test 2: HbA1c, FBS, Total Cholesterol, Creatinine, high-density Lipoprotein (HDL), Low-Density Lipoprotein (LDL), Triglycerides (TG), Total Protein, Serum Albumin, Gamma-Glutamyltransferase (GGT), Serum Glutamic Oxaloacetic Transaminase (SGOT), Serum Glutamic Pyruvic Transaminase (SGPT), Bilirubin, Total Cholesterol: HDL Cholesterol, ECG, Blood Pressure Monitoring, BMI, Doctor Consultation.

Rewards Point – As an insurer, we always try to motivate you the rewards point with health insurance is just to make you fit and healthy. Look we never take things seriously until it does not seem serious and with time we all have to face the issue of obesity and disease.

HDFC Ergo Optima Restore

Optima restore is also a complete health insurance plan and one of the best health insurance plan provided by HDFC Ergo, free health checkup option is also available with this plan, and having such kind of coverage under this plan make this the best health insurance plan.

Look, we never know when we will get sick and we are never prepared for it, but the services like free health checkups with health insurance plans make things possible for you in any period of your life.

Benefits:

 Niva Bupa Health Companion

A Health companion plan is a perfect health policy with additional coverage including free health checkups. The plan is divided into three different variants, individual, family floater & family first. It’s a comprehensive plan and it’s made for three different periods.

Benefits:

• Direct claim settlement.
• Lifetime renewability available.
• Comprehensive cover amount starting from Rs 2 Lac to Rs 1 Cr.
• A cashless treatment facility is available across 3500 network hospitals.

Royal Sundaram Lifeline Supreme

Talking about free health checkup offers, lifeline supreme is one of the best and most comprehensive health policies that people looking for. Lifeline supreme has a long-range of coverage including free health checkups and medical expenses too. Lifeline supreme long-range coverage also covers critical medical issues and maybe that’s why it’s the best health insurance policy. It’s divided into three different variants, classic, supreme & elite and every one has its profit.

Benefits:

 Aditya Birla Activ Assure Diamond  

Activ assure diamond is one of those plans who offer Free Medical Check-Up facilities for people, available with an affordable premium and its key benefit is 586 days daycare facility.

Benefits:

• Get 150% Reload of Sum Insured
• Mental Illness expenses also covered
• Modern Treatment methods covered
• Make double you’re sum insured with Super No Claim Bonus

Key Features

Star Family Health Optima Insurance Plan

A family health optima plan is a super saver plan with covers the entire family under a single sum insured. Well. Its magic for family or people, with a single insurance plan, can cover the whole family and secure the health of every single person and have the extra benefit of this plan. Talking about incurred claim ratio report of Star Health is quite good and did the best job in the year 2020.

Benefits:

• Ambulance Cover
• Pre-hospitalization
• Post-hospitalization
• Day-Care Treatment
• Free Health Checkup
• Organ Donor Expenses
• Coverage for Newborn Baby

Here’s Why You Should Undergo Free Health Check-up

Sometimes we are too worried about a particular thing that we don’t look at on the other side of the coin, in a hurry, we just buy the insurance policy, but we forget to look at the services and benefits of that policy. We are always taught that any work should be done comfortably because something always gets out of hand due to a hurry. People want insurance just because some certain failures of the system and medical treatments getting expensive day by day is one of the system’s biggest failures.

Conclusion

The list of medical checkups might vary from insurer to insurer. While choosing health insurance plans, can also be a vital factor to shortlist the best policies. If the premium is in your budget, opt for the companies offering health checkups on an annual basis. You can compare the premium, sum assured, inclusions, exclusions, and other benefits of all leading health insurance service providers through our portal.