As we know, eating healthy and staying active is crucial for our well-being. Similarly, getting regular health checkups is vital for catching any health issues early and reducing the risk of serious diseases. Healthcare expenses in India can be quite high, which is why health insurance plans are important. They protect your savings during medical emergencies. But is an annual health check-up covered by insurance? Keep reading to find out.
Does Insurance Cover Annual Health Checks?
The answer is ‘Yes’; a majority of health insurance plans include an annual free medical check-up as a benefit. Medical check-ups help the insured evaluate a person’s medical condition for a complete body analysis, including heart health, organ health, and metabolism rate.
Medical check-ups also monitor various critical parameters in a person, such as blood sugar levels and blood pressure, and perform diagnostic tests to encourage preventive healthcare and early detection of underlying health issues.
A doctor may ask you to get a basic health check-up in case you have symptoms related to a common illness like:
- Allergies
- Shortness of breath
- Excessive sweating
- Colds and Flu
- Conjunctivitis ("pink eye“)
- Heartburn
- Stomach Aches
Annual preventive health checkup provides a wide range of tests such as:
- Tests for vitamin deficiencies
- Liver function test
- Lung function test
- X-ray
- ECG
- Sonography
- Pap smear
Conclusion
Annual health check-ups can help detect early signs of disease, and they will help encourage preventive health checks to treat disease, if any, in the early stage to improve the chances of successful treatment and management. Additionally, having an annual health insurance policy is cost-effective in the long run. It can help manage expensive hospital bills and guide you to good hospitals for proper treatment. It can help you in early diagnosis of the disease to control it on time and help avoid expensive surgeries and therapies. In addition to these benefits, annual health check-ups can help individuals prevent chronic health conditions and maintain good health with overall well-being.
Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the relevant industry. It is advised to verify the relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.
Also Read: