Annual Medical Check-Ups in Health Insurance

A free annual medical check-up under health insurance is a preventive health benefit that allows you to assess your overall well-being without any extra cost. It is a complete body analysis designed to track how your body is functioning.

These check-ups usually include essential tests for heart health, organ functions, blood pressure, blood sugar, metabolism rate and more. The goal is to help you stay informed about your health and catch any early signs of illness or lifestyle-related diseases before they become serious.

By using your free annual medical check-up, you can avoid potential issues and make informed decisions about your future well-being.

TATA AIG offers health insurance plans that either include preventive health check-ups or provide them as an optional cover/rider.

The benefit includes a wide range of medical tests (listed in the sections below) and is completely cashless. It is available at all our empanelled hospitals and healthcare service providers across India. You also have the option to avail this benefit from the comfort of your home.

The coverage is over and above the sum insured, comes with a separate limit, and does not affect the No Claim Bonus.

TATA AIG Plans that Cover Preventive Health Check-Ups

Please Note: The inclusions and exclusions may vary for individuals based on specific policy terms, coverage options and medical disclosures. We recommend reviewing your policy document for detailed information.

Annual health check-ups offered under health insurance plans typically include a set of basic but essential tests. These tests are designed to give a broad overview of your overall health and help identify early signs of any medical issues.

• Blood Sugar Test (Fasting) : This test measures the level of glucose in your blood after fasting for 8–12 hours. It is usually done in the morning and helps detect conditions like diabetes or prediabetes. Early detection allows for timely lifestyle or medication-based interventions.

• Haemoglobin A1C Test (HbA1C Test): This blood test reflects your average blood glucose levels over the past two to three months. It helps in detecting prediabetes and diagnosing Type 2 diabetes.

• Complete Blood Count (CBC): This test checks the levels of different cells in your blood, such as red blood cells, white blood cells and platelets. It also checks the Erythrocyte Sedimentation Rate. These tests help detect infections, anaemia, immune system disorders and even some types of cancers like leukaemia.

• Urine Routine Analysis: A urine analysis offers insights into kidney function and can also detect infections, diabetes and liver problems. It is a simple, noninvasive test that evaluates various components in your urine—like glucose, proteins and blood cells—offering a snapshot of your internal health.

• Cholesterol Test (Lipid Profile): Given the sedentary lifestyles and high-stress levels common today, a cholesterol test is more important than ever. It measures different types of fats in your blood, including HDL (good cholesterol), LDL (bad cholesterol) and triglycerides. Irregularities in these levels may indicate a risk of heart disease.

• ECG (Electrocardiogram): An ECG test records the electrical activity of your heart and helps detect irregular heartbeats, poor blood flow or damage to the heart muscle. It is a quick, painless test that provides valuable insights into your heart’s rhythm and function.

• Liver Function Test: A liver function test helps assess your liver health and detect any damage or underlying illness. It is conducted based on your blood sample and measures specific substances or enzymes produced by the liver, such as Albumin, Bilirubin and Alkaline Phosphatase.

• Early Disease Diagnosis: Regular screenings and tests can identify health issues early, allowing for timely intervention and treatment. Early diagnosis often leads to better treatment outcomes and improves the chances of successful recovery.

• Regular Health Tracking: By undergoing these check-ups, you can monitor your vital signs, blood test results, and overall health, which enables you to stay informed about any changes or potential health risks.

• Promotes a Healthy Lifestyle: Regularly monitoring your health status also motivates you to make lifestyle modifications, take preventive measures, and adopt healthier habits for your overall well-being.

• Saves Money in the Long Run: By detecting potential health problems early, you can address them before they become more severe and costly to treat. Timely intervention may prevent the need for expensive medical procedures or long-term treatments, thus reducing healthcare expenses.

• Prevents Claim Denials: Undergoing annual medical check-ups and disclosing the results ensures transparency about your health status. This helps us assess risk accurately and determine appropriate coverage, reducing the chances of claim-related issues.

• Seek Better Coverage: Annual health check-up tests help identify health issues that may require long-term treatment. This allows you to seek better coverage options for more comprehensive protection.

Also Read: Preventive Health Check-Ups and Tax Deductions

Making the most of your free annual health check-up with TATA AIG is simple and hassle-free. Here is how you can do it:

• Step 1: Contact TATA AIG through our customer care helpline (022-6489-8282). Let us know
  if you would like to use your free annual medical check-up benefit.

• Step 2: Choose a diagnostic centre or hospital from our list of partners.

• Step 3: Once your appointment is confirmed, we will issue an authorisation letter. Provide this
  letter when you visit the centre for your check-up or if the check-up is being done at your home.

• Step 4: Complete your recommended health tests at the chosen centre. The reports will be shared directly with us.

• Step 5: Since we have the ‘Cashless Everywhere’ facility, the bills will be settled directly. No paperwork or payment is needed from your side.

Coverage and Waiting Period

Review the policy to check if the benefit is included in the base medical insurance plan or available as an add-on. Also, check the waiting period and any specific policy conditions that may apply.

Coverage Limit

Check the coverage and maximum limit for preventive health check-ups to ensure that they meet your specific healthcare requirements.

Tests Included

Review the list of medical tests included in the specific policy to understand if they meet your overall healthcare needs.

Availability

Based on your preference, check whether the benefit can be availed at home and explore the network of healthcare service providers where it is available.

Process

Understand how the process works and the steps involved to ensure a smooth experience.

Note: Claims are subject to the terms and conditions mentioned in your policy.

Extra Benefits

TATA AIG offers value-added wellness services such as ‘Benefit’ for fitness tracking and additional discounts on health management. These benefits can add real value to your policy.

Regular medical check-ups are vital to staying healthy and preventing serious illnesses. When your health insurance plan includes free annual check-ups, it not only helps in early diagnosis but also supports a proactive approach to your well-being.

With TATA AIG, we believe that your health should always come first. That is why many of our plans cover the annual check-up cost of preventive routine health checks, along with several other essential benefits. With easy claim processes, extensive coverage options and a strong hospital network, we make health protection seamless and accessible for you and your loved ones.

Take a step toward better health today. Choose TATA AIG for comprehensive care and peace of mind.