Free Medical Check up
Free Medical Check up
Understanding Free Medical Check-Up in Health Insurance
The uncertain global world has witnessed extreme changes in the living environment that have introduced different diseases in every human being in the recent past! And, you must also be aware of the increasing medical costs that might lead to a major financial crisis. Therefore, it becomes extremely important to monitor your health conditions periodically, buy a health insurance policy and prevent excessive financial and emotional stress due to medical expenses later in life.
When there is a health insurance policy in place, there is also the possibility of a free medical check-up! Are you aware of this feature? Here is a detail to help you understand the free medical check to ensure maximum benefits as you take charge of your health in time.
What is a Health Insurance Plan?
Before we step into the free medical check-up, let us understand what a health insurance plan means. A health insurance plan is an insurance product that will help you cover up your medical expenses due to a treatment for a disease, injury etc. It can even help you with surgical expenses that occur unprecedentedly.
The insurance provider will either pay the bills directly to the medical facility (cashless treatment) or reimburse the cost based on your paid medical bills.
Free health check-up is a prominent added advantage that can be an alarming signal considering the uncertain life and the wide-ranging diseases you are bound to get affected. So buy medical insurance online and make use of the benefits to ensure sound health.
Understanding Free Medical Check-up in Health Insurance
A free medical check-up is a periodical or routine set of medical tests that you can take in designated health centres or hospitals based on your health insurance plan. It will help you analyse your current health conditions and motivates you to stay healthy in the longer term.
Here are a few pointers that you need to know:
Frequency of medical tests - The frequency of medical tests is dependent on the insurer and the policy terms and conditions. For instance, with the TATA AIG health insurance policy, you can make use of the free health check-up every one, two or four years of continuous no-claim renewal. There are also options to receive this benefit even if you have raised a claim during the policy term period.
Cost of tests - There is a pre-determined set limit on the amount payable after the prescribed number of years of the claim-free renewal. The limit is certainly based on the sum assured covered by the health insurance plan. The higher the sum assured, the greater is the amount payable for the free medical check-up.
Empanelled centres - When you undertake the medical tests in the empanelled centres, the insurance provider will directly pay for the cost at the agreed rates of the medical centres. On the other hand, if you choose to get it done from non-empanelled centres, you can pay for the expenses and get reimbursed for the charges upon submitting the necessary bills.
List of tests - The details of free medical screening and the list of tests that will be conducted as part of your health check-up will be mentioned in your health insurance plan. Some basic tests are associated with examining the blood count, random blood sugar, lipid profile, urine routine, ECG, X-Ray etc.
The extent of the medical check-up and the coverage limit will be based on the sum assured. Therefore, understand your health conditions and decide on the sum insured for enhanced benefits based on the family medical history.
Keeping these pointers in mind, you can plan for the free check-up at your convenient time.
Why is a Medical Check-up Necessary?
Even knowing that a free check-up is available as part of the health insurance plan, many of us do not use it without realising the benefits. Here is a list of reasons that suggest a routine medical test is of utmost importance:
- Any potential illness that can create a huge health issue can be identified early and treated to prevent excessive damage to your body in the future.
- The risk of any sickness or medical complication that might turn out to be fatal is reduced greatly.
- You will be aware of your medical condition and take the necessary precautions to stay healthy.
- When you are physically healthy and strong, it will reduce your mental stress and keep you happy for longer life.
Does the Result of the Medical Test Affect Your Premium?
In health insurance with free medical check-ups, there is no increase in the premium amount charged based on the results of the medical test. However, if you feel it necessary to increase the sum insured considering the diagnosed health issues, the premium will increase correspondingly. It is up to you to decide the additional benefits considering the findings.
How to Avail of a Free Medical Check-up?
Many people are not aware of such free medical check-ups associated with the health insurance plan. Even if they are aware of it all, they consider it difficult to apply for the same. Here are a few simple steps that you can follow:
- Enquire about the free medical check-up, the frequency and the terms and conditions. It varies with different insurers.
- Whenever you deem it necessary to take the health check-up, inform us by contacting our toll-free number, writing an email, sending a WhatsApp message or visiting the nearest branch office.
- We will respond to you with the preferred date, time, and nearest diagnostic centre based on your request. With your confirmation, we will also provide an authorisation letter.
- You will have to carry the authorization letter and the health card to the diagnostic centre.
- If you get your free check-up done in one of our empanelled diagnostic centres, we will directly pay the bill up to the coverage limit (cashless settlement). On the other hand, you will get the amount reimbursed if it is done elsewhere based on your preference.
Before purchasing a health insurance plan, check and compare the different policies, understand your requirements and choose the best that will suffice your need.
Check our resources on:
How to Compare Health Insurance
Understanding Your Health Insurance Premium with our Health Insurance Premium Calculator
The recent pandemic would have instigated the necessity of a health insurance plan in your life. However, many of us are not aware of a free medical check-up associated with the insurance plan. Now that you are introduced to such a feature and have understood the basic terms and conditions, you can make use of the opportunity to test your body periodically and enhance the health insurance plan if required.
At Tata AIG, we offer multiple variants in our MediCare Health Insurance plans. You also get free medical check-ups during renewal after every one, two or four years of consecutive no-claim years. You can also receive this benefit even if you have raised a claim during the policy term period. So, do not miss out on the opportunity.
Get in touch with us to enquire about the feature, request for the schedule and get your health checked completely free!