How Do I Use the Free Health Check-Up That Comes With My Policy?

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Various health insurance policies offer their policyholders free health check-up services to promote preventive healthcare. These services help insured individuals detect illnesses in their early stages and seek timely treatment. Many times, insured individuals find it difficult to use this benefit offered by their insurance policies.


Knowing how to claim this benefit can help you make the most of this service and remain healthy.


How to Avail Your Free Health Check-Up


The steps that one needs to follow to avail the free health check-up service include:


Step 1: Inform Your Insurance Company


Inform your insurance company regarding your willingness to get yourself examined under the free health check-up benefit available to you from them.


Step 2: Get the List of Network Centres


After informing the company about this intention, they will provide you with a list of network centers where you can avail yourself of this benefit.


Step 3: Schedule an Appointment


Select a convenient hospital or diagnostic center from the list of networks and schedule your appointment. You may even be allowed by some insurers to get yourself tested at any diagnostic center and claim reimbursement later.


Step 4: Carry Required Documents


When you visit the center on the appointed date, make sure to have your health insurance card or policy card with you, in addition to a photo ID.


Step 5: Complete the Health Tests


Do the tests that are covered in your health insurance plan. In case the tests come under your coverage limits, the diagnostic center will send the bills directly to the insurance company, and you won't have to make the payment.


Types of Tests Usually Covered Under Free Health Check-Ups


The range of tests covered under free health check-ups varies depending on the insurer and policy type. However, most health insurance plans typically include the following basic tests:



  • Complete Blood Count (CBC)

  • Blood Sugar (Fasting & Postprandial)

  • Lipid Profile

  • Liver Function Test (LFT)

  • Kidney Function Test (KFT)

  • Thyroid Profile

  • Urine Routine Analysis

  • ECG

  • Chest X-Ray


Some comprehensive health insurance plans may also include additional tests such as:



  • Treadmill Test (TMT)

  • 2D Echo

  • Vitamin B12 Test

  • Vitamin D Test

  • Cancer Screening Tests


It is always recommended to check with your insurer regarding the exact tests covered under your policy, as coverage may differ.