Preventive Health Care Plan

What is a Preventive Health Care Plan?

A preventive health care plan is a mediclaim policy that covers the cost of availing preventive health services. It ensures that you do not have to pay out-of-pocket for preventive medical check-ups. These health insurance plans help to detect health issues early or avoid them altogether, which can save your time, money, and reduce emotional & physical stress.

Preventive care examples typically include routine screenings, such as cholesterol or blood pressure tests, and other specific check-ups, like cancer screenings. Vaccinations are also a significant part of preventive care.

Benefits of Preventive Health Care Plan

A preventive health care plan is a comprehensive plan designed to provide ample benefits to its customers. Some of the key benefits include:

Free health check-ups all around the year
Free doctor consultations, even on phone
Discounts on tests at diagnostic labs, pathology and radiology labs
Concessions at pharmacies
Benefits of dental services
Discounts even on big treatments in addition to diagnosis and consultation services
Saves tax under section 80D of the Income Tax Act

Why Buy a Preventive Health Care Plan?

In today’s fast-paced world, health issues are becoming more common due to rapid lifestyle changes. Regular medical check-ups can help you identify these issues early before they turn serious and require expensive treatments. However, with the continuous rise in healthcare costs in India, the expense of frequent check-ups and screenings can deter many people from maintaining a proactive healthcare routine.

A preventive health care plan relieves this financial burden by covering the costs of regular screenings, counselling, and vaccinations. Thus, it makes it easier to focus on staying healthy and detecting potential health issues early, without worrying about high out-of-pocket expenses.

What is Covered Under a Preventive Healthcare Plan?

Some of the coverage available under a preventive healthcare plan are as follows:

Medical Screenings

Medical screenings are regular tests that help detect health issues early, such as blood pressure checks, cholesterol tests, diabetes screenings, and cancer screenings.
Vaccinations

Preventive health care plans may cover vaccines for illnesses, such as flu, measles, hepatitis, and others, depending on age and health needs.
Medications

Some preventive health plans also cover certain medications that help prevent health issues, including medicines for heart health, diabetes, and cholesterol.
Counselling

Preventive health plans often cover counselling sessions on quitting smoking, improving your diet, managing stress, etc.

How to Avail Preventive Health Care Under Health Insurance?

You can avail preventive health care in three simple steps:

Step 1: Firstly, dial the helpline number on your health card and describe the medical problem to the representative.

Step 2: The representative will guide you to a specialised doctor for diagnosis.

Step 3: You can get your medical treatment done with the membership card without spending money now and again.

Difference Between Health Insurance and Preventive Healthcare Plans

Take a look at some of the key differences between health insurance plans and preventive healthcare plans:

Health Insurance Plans	Preventive Healthcare Plans
They may or may not offer coverage for preventive health check-ups.	They offer coverage for preventive health check-ups.
Non-accidental dental services are excluded.	Non-accidental dental services are included.
Pathology and radiology services are excluded.	Pathology and radiology services are included.
The claim process is usually time-taking.	Simple and fast process of claims approval.
It covers hospitalisation and serious illnesses	It covers diagnostic and preventive services only.

Preventive Healthcare Packages

Understanding the importance of preventive health care, various health insurance companies have integrated health check-ups into their plans. Listed below are some of the preventive healthcare packages available with the insurers:

Regular Plan - As per this preventive health care plan, you can approach the doctor for regular health check-ups and stay protected against any disease.
Family Plan - Under the family plan, every member of the family can avail preventive health care irrespective of age or gender.
Child Plan - A child preventive health care insurance plan authorises parents to take their child (between 0 to 13 years of age) to the doctor for regular check-ups.
Diabetes Plan - Diabetes may affect the vital organs of your body, including the brain, kidney, liver, and heart. Therefore, a diabetes plan helps you track your diabetes levels regularly.

The Bottom Line

Buying a preventive health care plan is the need of the hour. Preventive health care plans are beneficial as they help you get cured before a disease reaches its irreversible stage. However, you should opt for a preventive health plan after considering your health needs and requirements. Even customised plans are available today, which will surely save you a lot of money.

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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