Close ILTakeCare Suggestion
IL TakeCare app – For all your insurance & wellness needs

Policy purchase, claims, renewal & more


Health Insurance With Free Medical Check-up

Explore the symbiotic relationship between health and insurance with our guide on the role of free medical check-ups in health insurance plans. Understand how these check-ups influence premiums, providing insights into proactive healthcare.

  • 28 Nov 2023
  • 3 min read

Promoting optimal health is a universal goal, and a comprehensive health insurance plan is a crucial financial safeguard during medical crises. A noteworthy development in the health insurance sector is the incorporation of complementary medical check-ups within policy offerings. These check-ups empower individuals to track their well-being and contribute to regulating insurance premiums. This piece delves into the importance of medical check-ups, their influence on health insurance costs, and strategies for capitalising on the benefits of free health assessments.


Why is a medical check-up necessary?


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 participation in these check-ups empowers individuals to adopt proactive strategies for healthier living and mitigating the potential of severe health problems.


Does the result of the health tests affect your health insurance premium?


The outcome of the free medical check-up that comes with health insurance can influence your premium amount. Several insurance companies provide policies with pricing linked to an individual’s health condition. If your health assessment unveils positive indicators, like stable blood pressure, cholesterol levels within the healthy range, and the absence of significant underlying ailments, you might become eligible to continue at the same insurance premium for another year.


Conversely, should your check-up reveal health concerns or risk factors, your premiums could get elevated to account for the heightened risks of medical costs associated with underlying clinical conditions.


Insurance companies consider these results as part of their risk assessment process. Individuals with better health profiles are generally considered low-risk. They are rewarded with more affordable premiums, while those with potential health concerns may have slightly higher premiums to mitigate potential costs.


How to avail of a free health check-up?


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 a health insurance policy, contact the insurance company or their 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.

Also read:



Health insurance with free medical check-up provides policyholders with a proactive approach to managing their health and insurance coverage. Regular check-ups not only help in early disease detection but can also impact the cost of insurance premiums based on health indicators. By taking advantage of this feature, individuals can enjoy the dual benefit of health monitoring and potential premium savings.

  • Looking for tailored advice?

    Schedule a call with our insurance advisors

  • OR
  • Call us:

    1800 2666
Please enter valid name
Please enter a valid mobile number
Please select the Category

Subscribe to our newsletter

Understand insurance better by reading our helpful guides, articles, blogs and other information.

Please enter valid name
Please enter valid Email

Error message here