Top 5 Health Insurance Plans With Free Medical Check-Up

Medical check-ups are an essential part of staying healthy, even if you have a running health insurance policy. Most health insurance companies would insist on a pre-medical check-up if you are above 40 years. But, they do not cover the huge costs of such tests that amount to almost INR 8 to 10 Lakh.  However, there are certain health insurance companies that do offer a free medical check-up and in this article we are going to tell you about the same in detail. 

Top 5 Health Insurance Plans With Free Medical Check-Up 

The following are a list of top 5 health insurance plans that offer free medical check-up. 

• HDFC ERGO Energy Insurance Plan 

This plan is designed specially for diabetes patients. It is available in two variants, namely Gold and Silver and comes with an attractive free medical check up feature. Under this feature, it includes testing for cholesterol, high density lipoprotein, low density lipoprotein, creatinine, serum albumin, ECG and blood pressure that are vital in figuring out whether a patient has any underlying critical illness or not. 

• Religare Care Health Insurance Plan 

This plan offers comprehensive protection for all age groups. It comes with an attractive free medical check up facility that promises to safeguard the policyholder and their family members against all kinds of financial risks and medical emergencies. The Annual Health Check Up feature addresses the health concerns of not just adults but children as well. Some of its basic coverages include a daily allowance, ambulance cover and domiciliary hospitalization among others.  

• Star Family Health Optima Insurance Plan 

This is a family floater plan with single premium cover. It offers coverage for domiciliary treatment, day care procedures, organ transplant and neonatal care as well. An attractive free routine check up is also available under this plan, provided that the policyholder does not make any claims in a single policy year to avail this service.Some other benefits provided by this insurance plan include in-patient hospitalisation, ambulance coverage and post-hospitalisation coverage. 

• Royal Sundaram Lifeline Supreme Plan

This is a comprehensive insurance plan that comes with a free health and medical check up facility. It is available in both individual and family floater options and facilitates the option of having a second opinion in case of a critical illness. The Annual Free Health Check-Up benefit is dependent upon the sum assured of the policy and takes cognisance of severe medical conditions. Pre and post-hospitalisation charges, day care procedures, domiciliary treatment and organ transplant are covered by this policy.

• Aditya Birla Activ Assure Diamond Plan

This insurance policy is an affordable and comprehensive insurance policy. Equipped with an annual health check up feature, it offers a free medical examination of every insured person in a single policy year, as per their age and corresponding health requirements. It also includes benefits such as in patient hospitalisation, pre and post hospitalisation charges, ambulance cover and a 150% reload of the sum insured for a claim amount of INR 50 Lakh. 

Take Away 

These are the top 5 health insurance policies that come with the offer of a free annual health and medical check-up feature. It is an important feature and benefit that helps in the regular monitoring of your health and aids in detecting any asymptomatic underlying health condition as well. You should always avail this feature provided by your insurance provider as it can be useful in diagnosing critical illnesses and other health conditions in many ways. If you have a health insurance policy that comes with this feature, do not hesitate to get yourself checked. 

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.