Health Insurance 1255 views March 19, 2021

A health insurance plan, which offers financial protection to individuals amid a medical emergency, comes with several value-added benefits such as health check-ups. These health check-ups include – Urine Routine Analysis, Stool Test (Optional), ECG (Resting), X-Ray Chest (PA view), etc. But do these check-ups come free of cost? Well, most health insurance plans offer the same for free.  Let’s now check out the health insurance plans that provide free health check-ups.

Health Insurance

Please fill the details below and our policy experts will call you to help figure out the correct health insurance policy for your needs


List of Health Insurance Plans with Free Health Check-Ups

If you purchase any of the following plans, you will get the benefit of free health check-ups. So let’s compare these plans’ health check-up offers and know which one is the best for you.

Policy NameFree Health Check-up
Oriental Insurance Individual Mediclaim Policy0.75% of the average sum Insured after each claim-free year
Niva Bupa Health Companion PlanCashless health check-ups provided the policy continues for the 2nd year without any break
Star Medi Classic Insurance PolicyExpenses of health check-ups, up to 1% of the average Basic Sum Insured will be covered after every block of four continuous claim-free years, subject to a maximum of INR 5,000
Note - Health check-up claims are not part of your sum insured
Reliance Group Mediclaim Insurance PolicyAnnual health check-ups for all the insured employees
Aditya Birla Activ Care Senior Citizen Health InsuranceYou can get an advance health check-up once in a Policy Year that includes:

  1. PAP smear

  2. Thyroid function test

  3. TMT (2 D Echo if the customer is not able to walk on the treadmill)

  4. Chest X-ray

  5. Sonography Abdomen

  6. ENT check-up

  7. OPG (Dental x-ray)

  8. Vitamin D

  9. Vitamin B12

  10. Calcium

Note - Health check-up claims won’t impact your sum insured or the eligibility for no claim bonus, and the above-mentioned tests shall be organized by the Aditya Birla-empanelled hospitals. Free health check-ups are only cashless under this policy.
Niva Bupa Health Premia Insurance PlanHealth check-up cover from day 1 and will be applicable to the policy as follows -
Silver option - you can get health check-ups once in two policy years.

Gold option - you can get annual health check-ups, capped at INR 2,500 per insured

Platinum option - you can get annual health check-ups, capped at INR 5,000 per insured
Bajaj Allianz Silver Health Plan for Senior CitizensFree Health check-ups will be organized in the designated Bajaj Allianz Diagnostic centers at the end of continuous four claim-free years. This policy will cover the medical tests that are advised with the reference of physician/consultation such as laboratory tests for fasting blood glucose and complete blood count, serum cholesterol, urine routine, chest X-ray and ECG.

How to Claim Free Health Check-Ups in Health Insurance?

First, contact the insurer for a claim form that you need to fill. When purchasing a policy, you should get a list of diagnostic centres or hospitals where they can have health check-ups. Select the healthcare unit where you want to go and show your health card there to get a free health check-up benefit. If you want to get your health check-ups done at a non-network hospital, you need to pay upfront and seek reimbursement from the insurer later.

People Also Read