Modern lifestyle has led to many unhealthy habits while managing work pressure with family commitments in our busy routine. These habits have led to lifestyle ailments and other health issues with an alarming increase. So, to avoid long-term health risks, doctors recommend undertaking health check-ups to diagnose and treat underlying health issues early. People of all age groups can book health check-ups to see whether they are suffering from any health issues as well as manage pre-existing diseases.
Most insurers offer complimentary preventive health check-ups, which brings us to the question: “How to book a health check-up?”
How to Book a Health Check-Up Through Your Insurer
You must remember to do the following when you book a health check-up through your insurance provider:
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Get in touch with your insurer
You can call the insurer’s customer service department or toll-free number to learn the procedure and schedule your check-up. You can also visit the insurer’s nearest branch. Your insurance will have a list of hospitals, clinics, and diagnostic centres, which they will share with you. Choose one that is convenient for you and inform the insurer about your preferred date and time slot. You will receive an email/SMS confirmation and an authorisation letter confirming the same.
You must show this letter and the health card issued by your insurer at the hospital or diagnostic centre where you will undergo the check-up. Choose a network hospital from your insurer to avail yourself of the cashless facility. However, if you prefer a non-network hospital, you will be reimbursed for the expenses.
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Check the price of diagnostic tests
Check your policy document to know the amount that will be covered by the insurer and choose a package or tests accordingly. For instance, some insurers reimburse a certain percentage of the sum insured for a fixed number of claim-free years, while others provide a list of the tests that will be covered. Typically, diagnostic tests that are covered include fasting and post-prandial blood sugar, urine culture, complete blood count, and ECG.
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Check the time after which you can opt for a free check-up
Review the policy’s wording carefully, as most insurers offer a free medical check-up after a certain number of claim-free years. As this varies between insurers, check with your insurance provider to avoid disappointment. Some insurers offer this policy to policyholders every year, while others have varying timelines.
Conclusion
Regular check-ups are the cornerstone of preventive healthcare that enable early detection of hidden health threats, if any, and prevent you from long-term risk of illnesses. Prioritising these check-ups is an investment in your well-being towards a healthier and happier life. When looking for health insurance online, look for plans that offer preventive health check-ups annually so you can take proactive measures and stay fit.
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 your general physician or another certified medical professional for any questions regarding a medical condition. 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.
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