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Health Insurance 872 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.
Table of Contents
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 Name | Free Health Check-up |
|---|---|
| Oriental Insurance Individual Mediclaim Policy | 0.75% of the average sum Insured after each claim-free year |
| Niva Bupa Health Companion Plan | Cashless health check-ups provided the policy continues for the 2nd year without any break |
| Star Medi Classic Insurance Policy | Expenses 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 Policy | Annual health check-ups for all the insured employees |
| Aditya Birla Activ Care Senior Citizen Health Insurance | You can get an advance health check-up once in a Policy Year that includes: Mammography
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 Plan | Health 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 Citizens | Free 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.