Does My Health Insurance Policy Include Free Annual Checkups?

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Yes, many health insurance policies in India include free annual checkups. In most cases, it generally covers routine tests such as blood sugar, lipid profiles, and blood counts. These checkups are often available yearly to monitor the policyholders’ health. However, this benefit can vary across insurance providers’ policies.


Why Free Annual Checkups are Essential for Policyholders?



  1. Early Diagnosis of Disease


With daily medical check-ups, you can easily detect chronic life-threatening conditions like heart disease or kidney issues before they become serious.



  1. Comprehensive Health Monitoring


According to the Indian Council of Medical Research, 56.4% chronic diseases are the result of an unhealthy diet. This is why, with annual check-ups, you will be on the right track to maintain a good diet and balanced lifestyle.



  1. Reduce Financial Burden


By identifying the health issues early, you can effectively reduce the high cost associated with the advanced treatment of serious conditions.


What are the Eligibility Criteria for Free Annual Checkups?



  • Certain policies will require you to spend a claim-free year to avail the free health check-up benefit.



  • Policyholders have completed their initial waiting period of 30 days and pre-existing disease waiting period of up to 36 months to activate this feature.



  • You cannot get this benefit outside your provider’s listed registered diagnostic centre or network hospital.


How to Avail the Benefit of Free Annual Checkups?


To avail the benefits of a free annual checkup, you must ensure that you are eligible for this coverage. The further steps will follow:



  • Step 1:Locate the nearby diagnostic centre of your health insurance provider. Moreover, contact them and book an appointment for the tests you want to conduct.



  • Step 2: Once you arrive at the healthcare centre, your provider might ask you to show certain documents. For example, your health insurance policy ID, medical, or personal records.



  • Step 3: You will receive the reports via your email, generally within 24 to 72 hours.


For certain tests, such as the blood sugar count, you might not have to visit the healthcare centre, as the diagnostic vendor will collect the samples from your doorstep.


List of Free Health Check-ups Available in an Insurance Policy



  • Complete blood count (CBC)



  • Blood sugar



  • Lipid profile



  • Thyroid profile



  • Serum creatinine



  • Liver function test



  • Vitamin Levels



  • USG Abdomen



  • Sonomamogram



  • PAP smear


Note: The exact list of free medical tests may vary across providers. Therefore, before you plan any test, contact your provider to know the exact medical tests covered in your healthcare plan.


Final Words


Even if you're healthy with the free annual check-up benefit in your health insurance policy, you can avoid the risk of any potential health issues.


To make the most of this benefit, read your policy documents carefully, as the list of tests can vary across providers.