Preventive Healthcare in India - Packages and Tests Included

Most people in India, especially in metro cities, are troubled by lifestyle diseases like diabetes, hypertension, cancer, etc. Sedentary lifestyles, a higher intake of unhealthy food, smoking and excessive drinking are the biggest reasons behind these lifestyle diseases. If left unchecked, these diseases can turn fatal and hence, preventive healthcare is required much more now than ever before.

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      What is preventive health care?

      Preventive health care tips include identification and minimization of disease risk factors, existing disease course improvement, and early disease detection through screening. This has become crucial since it allows people to know about their health issues well within time. Unknowingly you may be sitting on a health landmine because diagnosis of cancer in later stages is completely ineffectual and heart disease may translate into instant death. These are silent killers and the only way to deal with them is to remain aware of the issues through regular checkups and taking preventive care.

      Preventive healthcare packages

      In keeping with the requirements of rapidly changing times, a number of insurance companies in India have started offering preventive care packages to those interested. This not only give a chance to enlightened individuals to go for the related benefits but also helps to create awareness among people related to this pressing issue.

      • Regular checkups - Under this preventive care plan the policyholder can go for regular checkups at specific hospitals to know if all is right with their current heath.
      • Family plans- Family plans bring into the preventive healthcare safety net every member of your family. From adults to kids everybody can enjoy the benefits on offer.
      • Executive plans - This preventive plan gives cover to employees of various organizations so that they can go for regular checkups and the like in the hospitals mentioned in the policy. 
      • Child plans - Child preventive healthcare insurance plans allows parents to go for regular checkups for their children between zero and thirteen years of age who are covered under this policy.
      • Diabetes plans - Diabetes may affect the vital organs of the body including brain, kidney, liver, and heart. Therefore, regular checkup of patients is necessary. Diabetes plan give you coverage in this regard.

      Consider your specific situation and then choose the plan that thoroughly suits your needs. It is also possible to go for custom plans, which are ideal for your specific scenario. The main aim of this is to keep people aware of their health issues and deal with them in a proper manner. Neglecting a disease and allowing it to fester may lead to fatal or irreversible conditions and the preventive care plans does not let this happen.

      Tests included

      Preventive plans include various tests such as a blood test for sugar and cholesterol, pressure monitoring, cancer screening, Pap smear, HIV and genetic testing.

      In today’s lifestyle, stress has become our constant companion. Long hours spent at the office meeting deadlines, interpersonal conflicts, and keeping up with regularly changing technology is becoming too much to bear. No wonder, health problems are ubiquitous. While development in medical science allows professionals to combat various ailments, awareness among common people is crucial. Preventive medical care insurance surely offers a way out. So, do not ignore this pressing issue, because it may become too late to soon!

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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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      **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.

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