Know About Health Insurance with Free Medical Checkup
Are you aware that most health insurance providers offer free medical checkups and medical tests for the insurers? Many people are either unaware of such offers or do not know how to avail such offers. Some don’t avail of the offer due to the fear that if the test result is not up to the mark, there will be an increase in the insurance premium. But this is not true. The test results have no impact on the policy premium. The insurance providers use them for underwriting only in case the policyholder wants to enhance the sum assured at the time of renewal.
Undergoing medical tests has more benefits, and you should get them done to be aware of one’s state of health or discover any diseases in their early stages. Nowadays, many companies advertise for free health checkups, as one of the lucrative offers of their policy.
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Free Health Checkup With Health Insurance Process
Free Health Checkup with Health Insurance Policies is mentioned below:
- To schedule the check-up, the policyholder has to either call the insurer at the toll-free number or visit the branch. Some companies also provide the facility of filling out the form online.
- The policyholder needs to provide all the relevant details.
- After verification of the details, the insurer provides the date, time, and location as per the insured’s preference.
- An authorization letter is given to the policyholder.
- The policyholder has to present the authorization letter and health ID card at the test centre.
- If the policyholder gets the test done at the network centres, then he does not need to pay anything. But, if he gets it done at the centre of his choice, then he can apply for reimbursement.
Points to Consider While Availing of Free Health Checkup Benefit
1. Cost of tests
Different diagnostic centres charge differently for the same test. Before availing of the benefit, you must know how much cost will be reimbursed by the provider and how much you need to pay from your pocket for health checkup packages.
2. List of tests
Some insurers specify the tests which are covered under free medical check-ups. Mainly blood sugar, blood count, ECG, CBC, urine test, cholesterol test and chest x-ray are covered. Some insurers like ICICI Lombard and Bajaj Allianz also include a routine medical examination.
3. Claim-free years
Some insurance providers offer the benefit of free medical checkups after a block of claim-free years. This block may range from two to five years. For example, SBI General allows free medical checkups after 4 claim-free years and Star Health Insurance offers three claim-free years. However, Care Health Insurance offers health checkups irrespective of the medical claim made in the previous year.
4. Relevance of sum assured
The amount of free health full body check-ups depends on the sum assured. The higher the sum assured, the greater will be the amount provided for a free health checkup.
Conclusion
A routine medical check-up is beneficial to identify health problems before they become critical. While buying a policy opt for the insurers who offer free health checkups on an annual basis irrespective of the claim made. The list of checkups may vary from insurer to insurer. You can choose the policy after analyzing the premium, the sum assured, inclusions, restrictions, and other benefits. A free medical checkup is definitely in your good and will surely not increase the premium, and the insurance provider bears even the cost of the health checkup. So, what are you waiting for? Call your insurance provider now and book a free medical check-up.
Also Read:
Covering OPD Cover in Health Insurance
How to Switch from Group Health Insurance to Individual Health Cover
