Free Annual Preventive Tests Covered Under Health Insurance in India

Free annual preventive tests have become a common addition to many health insurance plans in India, giving policyholders the added benefit of having regular health checks without any additional expense.

These check-ups help to identify potential health risks at an early stage, making treatment more effective and often less expensive in the long run. Keep reading to learn more about the tests covered and other crucial details.

What are the Free Annual Preventive Tests Covered by Health Insurance?

Here is a list of free annual preventive tests covered by health insurance in India:

• Blood pressure test


• Urine test


• Chest X-rays


• Lipid profile


• Complete blood count


• Blood sugar test


• Kidney function test


• Lung function test


• Vitamin deficiency examinations


• General physical examination

What are the Factors That Affects Free Annual Preventive Tests?

A number of factors indicate whether you are eligible to receive free annual preventive tests under your health insurance policy.

1. Choice of Insurer

Each insurance provider sets its own terms for preventive health check-ups. These conditions may vary, so you must always read the policy terms before making a decision.

2. Claim-free History

Insurers often link free preventive tests to a claim-free record. In most cases, you must complete four to five consecutive years without raising a claim to become eligible for this benefit.

3. Sum Insured

The coverage amount you choose also plays a role. Policies with a higher sum insured may offer more frequent or more comprehensive preventive tests compared to plans with lower coverage.

How to Get Free Annual Preventive Tests Under Health Insurance?

Many people avoid using this benefit because they assume the process is complicated. However, the steps are simple as mentioned below.

Step 1: Inform your insurer about your intention to avail the benefit. You can contact them via their toll-free number or visit the nearest branch. The exact process may differ depending on the insurer.

Step 2: Request an appointment by calling or writing to the insurer. They will confirm a suitable date and time based on your availability.

Step 3: Once your request is approved, you will receive an authorisation letter. Carry this along with your health card when you visit the diagnostic centre.

Step 4: After you raise the request, the insurer’s team may coordinate directly with you to arrange the check-up at a preferred or network diagnostic centre.

Step 5: When you select a network hospital or an empanelled diagnostic centre, you do not usually need to pay upfront since the insurer pays the amount within the given limit. If you opt for a centre outside the network, you can pay initially and later submit a reimbursement claim.