How to Avail Free Medical Check-ups Under Your Health Cover?

One of the benefits of health insurance plans is a free medical check-up facility. As per the recent report by the IRDAI, the penetration of health insurance in India is nearly 3.4%. And as per the industry reports, only 10% of the insured people avail of free medical check-up benefits from their insurance providers. So, let's explore how you can easily avail free medical check-ups under your mediclaim policy.

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      Free Medical Check-ups Under Health Insurance

      Most of the ideal health insurance plans entitle policyholders to avail free medical check-ups once in every 2 or 4 years depending on the policy they have purchased. Even if policyholders are aware of the free medical check-up facilities; experts say that only 25-35% of them go for it.

      While a lot of people do not know how to avail free medical check-ups, there are some of them who fear a rise in the premium if the test results come out to be positive. On the other hand, medical check-ups are vital as it can help in the early detection of any medical condition or ailment.

      Importance of Free Medical Check-ups Under Health Insurance

      The benefits of free medical tests are as follows:

      • Early Detection of Diseases: Regular free health check-ups enable the early identification of illnesses such as diabetes, hypertension, and cancer, allowing timely intervention and treatment.
      • Preventive Healthcare: Free medical tests under a health policy encourage people to prioritize their health, helping prevent diseases by identifying risk factors and promoting healthy habits.
      • Reduced Financial Burden: Undergoing free medical check-ups can prevent the progression of illnesses, reducing long-term medical expenses.

      Frequency of Free Medical Check-ups With Health Insurance

      The number of free medical check-ups that you can avail under your mediclaim policy varies for both individual and family floater health insurance plans, and from one insurance provider to another. There are a lot of health insurance companies in India who provide free annual medical check-up facilities even if you have filed a claim during the policy term.

      List of Free Medical Tests in Health Insurance

      There are a number of free medical tests that you can take up under your health insurance policy and the list is usually mentioned in the policy wordings. Some health insurance plans would usually compensate for the expenses incurred on routine tests such as:

      • Chest X-rays
      • Blood pressure test
      • General physical examination
      • Kidney function test
      • Vitamin deficiency examinations
      • Blood sugar test
      • Urine test
      • Complete blood count
      • Lipid profile
      • Lung function test

      However, the tests that are covered would vary from one health insurance company to another.

      Another important point to consider is that the coverage limit for free-medical check-ups would depend on the policy sum insured. The higher the mediclaim policy sum assured, the greater will be the free medical check-up limit.

      For instance, free medical check-up limit for a sum insured of ₹20 lakh will be higher in comparison to a health plan with sum insured of ₹ lakh.

      What Influences Free Medical Check-up Benefits?

      Several factors that influence free medical check-up benefits in your health insurance policy are as follows:

      1. Choice of Insurance Provider

        Every insurance company has its own set of rules regarding free medical check-ups. These guidelines can differ significantly, so it is essential to review the specific terms and conditions of your insurer before buying a policy.

      2. Claim-Free Period

        Free medical check-ups are often offered as a reward for maintaining a claim-free record. Generally, insurance providers require you to complete 4-5 consecutive claim-free years before making such benefits available. So, make sure you understand this condition when exploring mediclaim policy options.

      3. Coverage Amount

        The sum insured in your health policy also influences free medical check-up benefits. A plan with a higher sum insured might allow access to more frequent or comprehensive medical check-ups in comparison to a plan with a lower sum insured.

      How to Apply for Free Medical Check-ups?

      A lot of people refrain from availing the benefits as they find the process tedious. However, the process to avail free medical check-ups is quite simple.

      Step 1: Firstly, you need to inform the insurance on their toll-free number or you can visit the nearest branch office to inform them about free medical check-up facility. The process usually varies from one insurer to another.

      Step 2: You can also write or call the insurer to schedule your health check-up. The insurer will revert with confirmed time and date as per your preference.

      Step 3: You will get an authorization letter that you need to carry to the diagnostic center along with your health card.

      Step 4: Once you send a request on the toll-free number or at the nearest branch, their concerned team will contact you and will arrange for a medical check-up at the preferred diagnostic center.

      Step 5: If you get the tests done at an empanelled hospital or the diagnostic centre then the charges are less and you do not need to pay anything from your own pocket. The insurer settles the amount directly up to the coverage limit. However, you can get the tests done in a lab of your choice and file a reimbursement claim with the insurer.

      So, why pay for something that is covered by your health insurer. Now that you know that your medical check-ups have no impact on your policy premium, there is probably no reason for you to give up on your free medical check-up pass. So, do not wait, simply get in touch with your health insurance provider and get a free health check-up done of yourself and your family.

      Final Word

      So, now that you know how to take the benefit of free health check-up facility and the process, you can easily book one now. Not only the insurer bears the medical costs, but it also helps you to stay updated about your health. Early detection means early cure. It gives you the time to quick remedial measures before it goes out of your hand.

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      Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

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