Updated on 13 Dec 2025
Periodic health check-ups are crucial for keeping a proper track of overall well-being. Often, health-related issues do not exhibit early signs, but a simple test helps in detecting them on time. In India, a health insurance policy typically includes free medical check-ups as part of its benefits. This not only saves you money but also encourages you to stay well-informed about your health.
In this blog, you will gain valuable insights into free medical check-ups, their importance, how often they are available and more.
Importance of free health check-ups
Regular health check-ups are a crucial aspect of preventive healthcare. They allow individuals to identify potential health issues before they become severe, enabling early intervention and treatment. Medical check-ups can detect risk factors, monitor chronic conditions and provide insights into overall well-being.
Frequently, these assessments comprise measuring blood pressure, cholesterol and blood sugar levels and conducting fundamental body analyses. Regular taking these check-ups empowers individuals to adopt proactive strategies for healthier living and mitigating the potential of severe health problems.
How often can someone get free medical check-ups with health insurance?
The majority of health plans in the country provide free check-ups every 1 to 4 years, provided the policyholder has no claims. Some of the premium policies also provide yearly check-ups. Additionally, the frequency depends heavily on your health profile and the policy terms.
List of free medical tests cover in health insurance
The individual health insurance policy that offers free medical check-ups might include the following tests:
- Cholesterol test
- Blood sugar test
- X-rays (if needed)
- CBC (complete blood count)
- Kidney function test
- ECG (Electrocardiogram)
- Liver function test
Factors that affect free medical check-up benefits
Some crucial aspects can affect the benefits of free medical check-ups:
- Policy type: Comprehensive insurance plans may provide a wider range of benefits.
- Health and age profile: The eligibility and frequency of check-ups may vary depending on age and health condition.
- Claim history: All free check-ups are typically associated with claim-free years.
- Insurer’s network hospitals: The availability of tie-ups does affect the tests provided.
How to apply for free medical check-ups?
You should follow a straightforward process to maximise the valuable benefit of free health check-ups in specific health insurance policies. Firstly, when browsing policies in the health insurance market, choose a policy explicitly mentioning this benefit in its documents or promotional materials.
Next, it’s crucial to acquaint yourself with the eligibility criteria set by the insurance provider. Once you’ve secured a free health check-up in an individual health insurance policy, contact the insurance company or its designated healthcare partners to schedule it.
On the day of your scheduled check-up, visit the designated healthcare facility. Expect a comprehensive assessment involving various tests to evaluate your overall health status. After the check-up, you’ll get a report showing your test results and health indicators, offering essential insights into your health status.
Finally, in light of your test results, there could be expected changes in your healthcare coverage premium during the policy renewal period. Positive health indicators might make you eligible for no increase in annual premium, making the inclusion of free health check-ups in your policy even more advantageous.
Conclusion
All free medical check-ups included in the health policy will enable you to stay healthy without incurring additional costs. They help detect all the early signs of health-related conditions and ensure much better care in the long run.
Additionally, if you require tailored solutions and guidance on health policies, please fill out the form on this page. Let us help you find the right health insurance policy that matches your needs and budget.
Disclaimer: The information provided in this blog is for educational and informational purposes only. It is not intended as a substitute for professional advice, diagnosis or treatment. Please consult a certified medical and/or nutrition professional for any questions. Relying on any information provided in this blog is solely at your own risk, and ICICI Lombard is not responsible for any effects or consequences resulting from the use of the information shared.