Did You Know Health Insurance Gives FREE Medical Check-up?

Yes, it is true. Your health insurance policy allows FREE medical check-up. However, there are many people who don’t know how to avail it while others fear that it may escalate the premium rates.

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      It’s time to break the myth. The medical test results have no impact on the policy. These are used only for underwriting purpose if the policyholder wants to increase the sum insured at the time of policy renewal. Undergoing medical test, on the other hand, is important and you should get it done at least once a year not just for the sake of insurance procedure but also for yourself.

      Here’s how you can get a free medical check-up from your health insurer.

      Contact the insurance company

      Call up at the toll-free number of the health insurance provider or visit the nearest branch to schedule the health check-up. After verifying all details, the insurance company will revert back with a confirmed date, time and location as per the policyholder’s preference. An authorization letter is sent to the insured which has to be presented at the diagnostic centre along with the health card.

      For fast service and convenience, it is advised to get your tests done at network hospitals. If a test is done at empanelled hospitals or centres, the customer is not asked to pay anything as all charges are settled by the insurer as per the agreed rates. However, if a customer opts to get all tests done in a lab of his choice then he can apply for the reimbursement.

      Check the Cost of Tests

      Various diagnostic centres have different charges, so the policyholder must carefully read the policy document to know how much cost will be reimbursed by the insurer. For instance, Insurance Company reimburses the health-check-up cost, which is limited to 1% of the average sum insured of 4 claim free years. Some insurers specify the tests instead of the amount.

      List of Medical Tests

      Mainly the tests include blood sugar, blood count, urine test, cholesterol check, PPBS (postprandial/lunch blood sugar), ECG, complete blood count, etc. Insurers like Bajaj Allianz cover the routine medical examination of the policyholder.

      The relevance of Claim-Free Years

      According to the policy wordings of most of the insurers, the benefit of free medical test is available only after a block of claim-free years, which could vary between 4-5 years. For instance, insurance company allows free medical check-up for every 4 claim free years. It means you can exercise free medical test option only in the 5th year provided the last four years are claim-free.

      However, there are insurers which offer health check-ups to the policyholder (s) every year, irrespective of the medical claim made in the previous year.

      Time to take charge of your health

      A routine medical test is important to identify problems before they become serious. So call up your insurer and schedule your free medical test as it will NOT increase the premium.

      After all, Health is Wealth!

      Disclaimer : *Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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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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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.

      *Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

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