Health Insurance 402 views July 27, 2021

Preventive Healthcare Plan helps you stay aware of your health status during the policy term. This type of health insurance covers doctor’s visits and exams such as your annual physical exam. Such plans help you detect any critical illnesses at an early stage. The preventive health check-ups will be done based on the family history of the patient. This way, you can modify your lifestyle based on the results of a preventive health check-up and improve the quality of life. Continue reading this page further to learn more about the Preventive Healthcare Plan benefits.

Types of Preventive Healthcare Plan

The insurer offers different types of Preventive Healthcare Plans that are as follows:

Packages for Families

Here, the insurer covers full body check-ups, diet-related consultations, dental check-ups, etc. for all the family members covered under the policy.

Cardiac Packages

The insurer covers the screening processes regarding strokes, heart attacks and other types of cardiovascular diseases under this type of plan.

Cancer Packages

Cancer screening programs are established under this type of Preventive Healthcare Plan where an early diagnosis of the ailment can help the insured recover fast.

Packages for Children

Here, the insurer provides personalized health programs especially for children comprising Paediatrics, Dental, Ophthalmology, ENT, Radiology Services, general check-up, etc.

Diabetes Plan

If you are at a high risk of diabetes, choose this plan that covers check-ups for all vital organs of the body to detect diabetes.

Fertility Check-up Plan

The insurer covers all the fertility check-ups that may cover as per the consultations with doctors and experts during the policy term

Corporate/Executive Plan

Corporate employers can get a Preventive Healthcare Plan for the employees at subsidized prices from as per the suitable level of health check-ups as well as consultations needed for their employees.

Dental Packages

This is a specialized dental care plan that covers health check-ups during the policy term, provided you visit the network provider.

Preventive Healthcare Plan Benefits

Preventive Healthcare Plan benefits may vary based on the insured member:

For Adults (Above the age of 18 years)

The insurer shall cover the following check-ups:

  1. Abdominal aortic aneurysm (for men who have ever smoked)
  2. Alcohol misuse
  3. Blood pressure
  4. Cholesterol (for certain ages or those who are at a higher risk for high cholesterol)
  5. Colorectal cancer (for adults above the age of 50 years)
  6. Depression
  7. Type 2 diabetes (for adults with high blood pressure)
  8. Hepatitis B & C
  9. HIV
  10. Lung cancer (for a smoker or if you have quit smoking)
  11. Obesity screening
  12. Syphilis

For Women

Preventative care for women is as follows:

  1. Breast cancer genetic test counseling (BRCA)
  2. Anemia screening on a routine basis
  3. Breast cancer mammography screenings every 1 to 2 years for women above the age of 40 years
  4. Breastfeeding comprehensive support and counseling from trained providers
  5. Breast cancer chemoprevention counseling
  6. Breast-feeding supplies for pregnant and nursing women
  7. Cervical cancer screening
  8. Chlamydia infection screening
  9. Domestic and interpersonal violence screening and counseling
  10. Gestational diabetes screening for pregnant women or those who have symptoms of gestational diabetes
  11. Gonorrhea screening
  12. Hepatitis B screening at the first prenatal visit
  13. HIV screening and counseling
  14. Rh incompatibility screening for all pregnant women and follow-up testing
  15. Human Papillomavirus (HPV) DNA test every 3 years for women with normal cytology results
  16. Syphilis screening
  17. Osteoporosis screening for women above the age of 60 years based on your plan
  18. STI counseling
  19. Urinary tract or other infection screening
  20. Syphilis screening fo
  21. Tobacco use screening and interventions

For Children

If your child is covered under the Preventive Healthcare Plan, the insurer shall provide the following benefits, provided he/she is below 18 years.

  1. Autism screening
  2. Behavioral assessments
  3. Blood pressure screening
  4. Cervical dysplasia screening
  5. Depression screening for adolescents
  6. Developmental screening for children under the age of 3 years
  7. Alcohol and drug abuse assessment for adolescents
  8. Dyslipidemia screening for lipid disorders
  9. Hearing screening for newborns
  10. Height, weight, and body mass index (BMI) measurements
  11. Hematocrit or hemoglobin screening
  12. Hemoglobinopathies or sickle cell screening for newborns
  13. Hepatitis B screening for adolescents
  14. HIV screening for adolescents
  15. Hypothyroidism screening for newborns
  16. Lead screening for children at risk of exposure
  17. Obesity screening
  18. phenylketonuria screening for newborns
  19. Oral health risk assessment
  20. STI screening for adolescents
  21. Tuberculin testing
  22. Vision screening

Which Insurance Companies Provide Preventive Healthcare Plans?

The following insurance companies provide Preventive Healthcare Plans in India:

  1. Apollo Hospitals
  2. Max Healthcare
  3. HealthcareMagic
  4. New India Assurance
  5. Bajaj Allianz General Insurance

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