All About Preventive Health Checkup in Insurance?

There is a common saying “prevention is better than cure”. Every year we tend to get your gadgets, vehicles, and other appliances serviced. But, do we do the same with our health? The answer would be most likely a no. This is because in most cases it is only when we fall ill that we prefer going for check-ups. However, this should not be the case, as doing so often leads to you spending a lot on treatment. So, under health insurance plans, you also get the option of a preventive health check-up facility so that you can get all the tests done at regular intervals. So, let us understand all about Preventive Health Checkup in Insurance.

What is Preventive Health Checkup in Insurance?

As the name indicates, a Preventive Health Checkup in Insurance means a kind of regular check-up that an individual undertakes to check his/her well-being. A Preventive Health Check-up facility in Health Insurance helps policyholders to detect their health problems, if any, at an early stage. Moreover, if a Preventive Health Check-up is included in your Health Insurance plans, then it will also be beneficial in reducing the annual medical test charges. 

Benefits of Preventive Health Checkups

There are several benefits of availing the facility of Preventive Health Checkups. Listed below are some of its benefits:

• With Preventive Health Checkups, you can assess your health condition in a routine manner. You need not visit the doctor when the health condition worsens as with routine checkups, you can be well informed about your health condition and detect any health ailment, at an early stage.
• As preventive health checkups help in the timely detection of diseases, in turn also helps in taking all the prevention measures to keep all such health problems at bay.
• Preventive health checkups are also a great way towards motivating individuals to take care of their health. If you take routine preventive health checkups, then you will be motivated enough to follow a healthy lifestyle and diet.
• A Preventive Health Checkup is also helpful in reducing medical expenses.
• One of the most important benefits of Preventive health checkup is that it also helps in your long-term wellness and overall well-being. 
• There are tax benefits of up to Rs. 5,000 as specified under section 80D of the Income Tax Act, 1961. 

Types of Preventive Health Checkups

There are different types of Preventive Health checkups. Listed below are the different types of Preventive Health checkups you should know about:

• Full Body Checkups: This type of health checkup requires a complete checkup of your body. This includes blood sugar tests, thyroid tests, liver function tests, and more.

• Women health checkups: There are specific health checkups designed for women that include medical tests pertaining especially to women. This can include a breast examination, gynecological tests, and more.

• Heart Checkups: This type of Preventive health checkup covers all the tests related to the heart such as lipid profile tests, ECG tests, etc. This type of checkup is a must-do for all heart patients.

• HIV Checkups: These checkups are meant for individuals who want to detect HIV. This checkup helps in the early detection of HIV.

Take Away

Thus, with Preventive Health Checkups covered in your health insurance plan, you can easily manage to assess your well-being in a routine manner. So, whenever you are buying a health insurance plan, make sure to also include Preventive Health checkups in it.

Also read: How Much Health Insurance Cover Do You Need?