7 Best Health Insurance Plans with Free Health Check-up Benefits
Be it entrepreneurs, housewives, or job seekers, every single one is consumed in their work. In some cases, people even work more than 40-50 hours per week.
Do you know how badly it can impact your health? There can be serious consequences not only to the body but also to your mental health.
Hence, choose a health insurance plan that offers great benefits with free health check-up facilities.
Instead of taking a longer leave due to medical reasons, it is best to go for regular medical check-ups and keep yourself fit. With an insurance policy, the financial stress over consultation charges, check-ups, and medication bills will be reduced to zero.
Discover some of the top insurance plans that offer free health check-up benefits. Also, key factors to consider when buying a policy. But before that let's understand the significance of health check-ups.
Table of Contents
Why Free Health Check-ups Matter?
Health issues can badly impact our daily lives. Here are a few main benefits of getting regular check-ups:
- Risk Assessment: With regular check-ups, doctors can identify and assess the risk associated with your disease and provide the right medication on time.
- Track Health Status: It allows individuals to monitor and track their health status.
- Early Detection: Any changes to the body can be easily traced with regular health check-ups. Doctors can identify health issues before they become serious.
- Improve Lifestyle: Constant monitoring of health can help you improve and maintain a healthy lifestyle.
- Reduce healthcare costs: Late detection of health issues can lead to higher risk and complicated treatment or surgery. Thus, resulting in costly medical services. With regular check-ups, you can detect health issues early and take a cure before it becomes risky.
Top Health Insurance Plans with Free Health Check-up Benefits in India
Various health insurance plans include health check-up benefits as rewards or under their basic plans, including:
1. Aditya Birla Activ Assure Diamond
Activ Assure Diamond by Aditya Birla is a cost-effective health insurance plan that offers comprehensive health check-up benefits. The affordable insurance policy covers a wider range of medical expenses, including 586 daycare procedures, hospitalization costs, domiciliary hospitalization, ambulance cover, organ donor expenses, etc. It even offers cashless treatments across 10051+ network hospitals, a 150% reload of the sum insured for subsequent claims, quick claim-settlement options, HealthReturnsTM benefits, no claim bonus benefits, etc.
Care Health Insurance plans are designed for both individuals and families. Some of their plans even include free annual health check-up benefits along with comprehensive medical policy benefits. Regardless of the claims a policyholder makes in a year, the care health insurance plans include free check-up features. Apart from this, the plan offers various benefits that protect you and your loved ones against financial risk during medical emergencies. Some of the key benefits of a Care Health Insurance plan include ICU charges, critical illness cover, pre and post-hospitalization, in-patient care, etc.
3. Niva Bupa Health Companion Plan
Niva Bupa Health Companion is another popular plan that includes annual check-ups. The plan provides coverage up to 1 crore including various benefits and features, such as hospital cash benefits, in-patient care, daycare treatment, alternative treatment, annual check-ups, etc. It is an affordable insurance plan with tax benefits of up to 25,000 for self and dependents, whereas 30,000 for senior citizens. You can avail of hassle-free claims and lifetime renewability options under this plan.
4. ICICI Lombard Complete Health Insurance
ICICI Lombard Complete Health Insurance plan is a perfect solution for your family's health requirements. The plan offers a shield against financial risks that one may encounter during medical emergencies. It offers extensive coverage benefits along with cashless treatments and free health check-up coupons. The policyholder even gains the benefit of tax deductions on paying premiums for themselves and family members.
5. Star Health Family Health Optima
Star Health Family Health Optima insurance plan offers coverage to you and your entire family at an affordable premium. The policy comes with several benefits like organ donor cover, automated restoration of the sum insured (3 times in a policy year), recharge benefits, hospitalization expense coverage, etc. Further, any costs associated with a claim-free year for health checks at network hospitals are reimbursed up to the specified limits.
Optima Secure by HDFC ERGO is one of the most-selling insurance policies in the market as it offers 4X coverage at no extra cost and several other benefits. Claiming 10 lakh base cover (partial or total), the insurer provides 100% restore coverage to the policyholder. Further, the policy covers cashless treatment across 13000+ network hospitals. Along with coverage for ambulance expenses, pre and post-hospitalization, daycare treatment, and other benefits, the plan provides a free health check-up on renewal.
7. Tata AIG Family Health Insurance Plan
Tata AIG Family health insurance plan brings you a wide range of benefits under a single plan. Pre- and post-hospitalisation coverage, ambulance cover, AYUSH benefits, accidental death benefits, wellness programs, cashless facilities, and much more are available. Adults from 18 - 65 years and children from 90 days to 25 years are eligible for this insurance plan. You can even access health check-up benefits.
Top Features to Look for in Health Insurance Plans with Free Health Check-ups
Here are a few key features to consider when purchasing Health Insurance Plans with free health check-up benefits:
- Comprehensive Coverage: Your selected plan must cover all your hospitalization expenses, diagnostic tests, maternity benefits, and other healthcare costs.
- Network Hospitals: Ensure the selected plan has multiple network hospitals that support cashless treatment in your area.
- Claim Settlement Ratio: Look for the CSR value of each insurance company before finalizing as it helps measure how good and fast a company is at settling claims.
- Free Annual Health Check-up: Check if the medical tests covered under the free annual health check-up package fulfill your requirement as well as if they are accessible from the starting day or for claim-free years.
- Add-on Covers: Certain policies do not cover free health check-up benefits in the basic plan but offer the feature as an add-on. So, cross-check the add-ons available with the insurance plan.
Frequency of Free Health Care Check-Ups
The policy terms and conditions may vary from insurer to insurer. Hence, the number of times an insured individual can access free health checkup benefits entirely depends on the selected policy type. Certain insurance companies offer the benefit of free health checkups for a period of 1-4 years, while a few offer only in case of claim-free year. Hence, make sure to check the policy terms and conditions before making a purchase.
Number of Medical Tests
Several medical tests are covered under the free health care check-up, such as:
- Chest X-rays
- Blood Sugar Test
- Blood Pressure Test
- Complete blood count (CBC)
- General physical examination
- Kidney Function Tests
- Vitamin deficiency test
- Urine test
Takeaways
Generally, when selecting a policy most individuals look for coverage and premium amount available. However, consider other benefits in your plan such as free annual health check-up benefits. This benefit will not only help in early diagnosis but also save a lot of money that you might incur if diagnosed with a chronic condition.
Further, check and compare different plans available in the market before purchasing one for you or your family. If additional assistance is required, feel free to reach out to Insurancedekho, available 24/7 for your needs.
FAQs
Ques 1: What is an annual health check and why is it important?
Ans: Annual health check-ups are routine check-ups that most people take to get a quick update on their health status. Doctors monitor your overall health and provide details on different health parameters and disease detection (if any).
Ques 2: Do health insurance plans include annual health check-ups?
Ans: Yes, there are several insurance plans available that provide access to free health check-up. In some cases, insured individuals can avail of this benefit after a few consecutive claim-free years. It completely depends on your policy terms and conditions, hence review your documents properly before finalizing.
Ques 3: What all gets covered under a health check?
Ans: Various tests get coverage in health check-up benefits, including blood pressure tests, kidney function tests, lipid profile tests, glucose tests, etc.
Ques 4: What do you mean by complimentary health check-up?
Ans: Complimentary health check-ups are like incentives that people get for renewing their policy. In some cases, the insurer offers coverage for full-body check-ups while in some they offer free health check-up coupons.
Ques 5: Do health insurance plans cover routine screenings?
Ans: A number of preventive services, such as vaccinations and screening tests, are covered by most health insurance plans, i.e., you don’t have to pay any additional cost.
