Health Insurance with Complimentary Annual Medical Check-up in India

Early diagnosis has proven to be a game-changer in the fight against various health conditions. Studies show that early detection of certain diseases can significantly improve survival rates and quality of life.

For example, research indicates that when breast cancer is diagnosed early, the five-year survival rate can exceed 90%, compared to just 20% in later stages. This is where health insurance with complementary annual health checkups comes into play.

By providing access to regular screenings and preventive care, such plans not only encourage early detection but also help reduce long-term medical costs.

Health check-ups are full-body check-ups done to monitor one’s overall health. They help diagnose diseases or illnesses early on and monitor one's health and well-being on the right medical parameters.

A lot of health insurers in India today offer free health check-ups; i.e. you can get your full body check-ups done without having to pay from your pocket! 

With the intention to promote the importance of wellness and preventive care, a lot of health insurers today offer complimentary health check-ups every year or every two to five years – depending on your health insurance policy’s terms and conditions.

Some even allow it, only on claim-free years as a benefit. The same can be availed just by contacting your health insurer or, by following the specific steps as given by your insurer, since this may differ across insurers.

At Digit, we offer this as a renewal benefit.

Digit’s health insurance policy offers a free health check-up benefit that allows policyholders to stay proactive about their well-being without worrying about any extra cost. Here is how a free health check-up works:

• With Digit’s Health Insurance policy, we offer health check-ups as a benefit for all, during renewal. This means, you can start availing this benefit only after completing one year of your health insurance policy.
• To avail this benefit, you can get your annual health check-up done at any of our  network hospitals  or at any other hospital or diagnostic lab of your choice. Just make sure to let us know before you do so! 
• After your medical check-up, get the costs reimbursed via our process of a reimbursement claim.
• The amount up to which you can claim for the health check-up is usually a certain percentage of the Sum Insured with an upper cap. Some plans allow a complimentary health check-up every two years, while some allow them every year.

Disclaimer: The features and benefits of Health check-ups vary across different insurance plans. Please check the complete details in your policy document.

You can avail the free medical health check-up multiple times but it merely differs from insurer to insurer. Even if you have filed a claim within the policy period, many insurance providers will still offer free health checkup services.

Most plans offers this benefit once every policy year, allowing policyholder (you) to monitor their health regularly without any additional costs. It is always recommended to read your policy document or check with your insurer about the free preventive health check-up. 

The free health check-ups offered under health insurance vary from insurer to insurer, depending upon several factors. Understanding these factors will help you get insured and make the most of your benefits..

Here are some factors affecting free health check-up benefits:

Insurance Firm

Each insurance has different criteria and conditions for receiving free medical examinations. Therefore, before buying a policy, you are strongly advised to review the terms offered by the insurance company.

Claim-Free Years

The majority of insurance companies provide the benefit of free medical examinations, but only after a predetermined number of years, usually when one year has passed without a claim. Before buying any policy, take a look at the number of years without a claim to avail the benefit of health check-ups.

Amount of Sum Insured

The advantages of an insurance policy for medical checkups may also be impacted by the amount of the sum insured. If you choose a bigger sum covered, you can get more medical checkups in a year.

So far now you know that there's no reason to pay for something that your health insurance already provides you for free. You probably do not need to stop using your free medical check-up pass now that you are aware that it has no bearing on your policy cost.

Therefore, don't hesitate to contact your health insurance company for a free family and personal health examination.