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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.

Team Digit

What is a Health Check-up?
How to Get Free Health Check-ups?
How Does Free Health Check-up Work?
What Does Health Checkup Include?
How Frequently Can You Avail Free Medical Check-ups?
Factors Affecting Free Health Check-up Benefits
Frequently Asked Questions

What is a Health Check-up?

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! 

Why is an Annual Health Check-up Important?

Most people tend to visit the doctor only when something is already wrong.

Think of the many times you’ve ignored certain symptoms and pains only because it wasn’t such a big deal, or rather – it was bearable and going to the doctor could just be procrastinated a little more. Most of us do that, right?

Well, an annual health check-up is important because:

How to Get Free Health Check-ups with Your Health Insurance?

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.

How Does Free Health Check-up Work with Digit Health Insurance?

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.

What Does a Complete Health Checkup Include?

Although the nitty gritty of a health check-up may differ with different healthcare providers, overall, the following are some common tests that will be part of your health check-up:

Blood Pressure Test

Blood Sugar Test

Lipid Profile

ECG Test (mostly recommended after 35, though)

Liver Function Test

Urine Analysis

Tests for Vitamin Deficiencies (Vitamin D deficiency is very common in India)

Pap smear (recommended for women, once a year)

Kidney function test

Lung function test

Note: The specifics of your health check-up may also differ based on your age and family clinical history. For example, if you have a family history of cancer, then you may want to include a test for the same as well.

How Frequently Can You Avail Free Medical Check-ups?

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.

Key Factors Affecting Free Health Check-up Benefits

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.

FAQs about Complimentary Health Check-Up with Health Insurance

All

Does having health insurance entail getting regular checkups?

No, health checkups and health insurance coverage are not the same thing. A health check-up is one of the things covered by health insurance. Under the free health check-up program, a policyholder is entitled to free medical consultations and diagnostic testing at regular intervals.

What does 80D mean in an annual health check-up?

Policyholders are eligible for premium deductions of up to Rs. 1,000,000 for themselves, their parents, spouses, and children if they pay a premium to the insurance company. Under the Rs. 1 lakh cap, a taxpayer may deduct up to Rs. 5,000 annually for preventative medical examinations.

Also Read: Health Insurance Tax Benefits

Which medical exams are necessary to obtain health insurance in India?

Pre-policy medical testing that is frequently requested includes urine, ECG, blood pressure checks, heart rate checks, blood sugar tests, and Complete Blood Count (CBC).

What is the price of a preventative health examination package in India?

Depending on the type and quantity of tests and screenings included, a thorough preventative medical check-up package can cost anywhere between Rs. 1000 and Rs. 12999.

What is the limit for preventative health examinations?

The term "preventive health checkup limit" may relate to the quantity of tests conducted or the associated expenses. Each insurance provider sets these restrictions in accordance with its terms and conditions. You have to check with your insurance provider to see the limit for preventive health checkups.

Does receiving a preventive health checkup require purchasing health insurance?

No, you can get a preventive health checkup and claim a tax benefit for it without purchasing health insurance. However, purchasing sufficient health insurance coverage might result in significant financial savings in a medical emergency.

Why is it important to have a preventive health examination?

The reason why preventive health checkups are important because:

Many diseases may not exhibit symptoms in their early stages, making preventive health examinations crucial.
One can monitor for any health problems and identify a potential illness well before therapy becomes more effective and survival rates rise.

How can I get a free health checkup at Digit?

To get a free health check-up at Digit Insurance, you must purchase any of the health insurance plans available at Digit. With the health insurance plan, you will get an option to avail yourself of free health checkups every renewal year.

Could the result of my health checkup affect my policy premium?

No, the premium does not get affected by the result of your preventive health checkup. It remains same as decided during policy purchase throughout the year.

Can I get reimbursement for an annual health checkup?

Yes, you can get a reimbursement for an annual health checkup if your insurance company have a policy for the same. Most insurance companies only accept cashless claims at network hospitals for annual health checkups.

Check: Cashless Health Insurance Policy

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Go Digit General Insurance Limited (formerly known as Oben General Insurance Ltd.) - Registered Office Address - 1 to 6 floors, Ananta One (AR One), Pride Hotel Lane, Narveer Tanaji Wadi, City Survey No.1579, Shivaji Nagar, Pune-411005, Maharashtra | Corporate Office Address - Atlantis, 95, 4th B Cross Road, Koramangala Industrial Layout, 5th Block, Bengaluru-560095, Karnataka | Trade logo of Go Digit General Insurance Ltd. displayed above belongs to Go Digit lnfoworks Services Private Limited and is provided and used by Go Digit General Insurance Ltd. under license.

Health Insurance with Complimentary Annual Medical Check-up in India

Table of Contents

What is a Health Check-up?

Why is an Annual Health Check-up Important?

How to Get Free Health Check-ups with Your Health Insurance?

How Does Free Health Check-up Work with Digit Health Insurance?

What Does a Complete Health Checkup Include?

How Frequently Can You Avail Free Medical Check-ups?

Key Factors Affecting Free Health Check-up Benefits

Insurance Firm

Claim-Free Years

Amount of Sum Insured

FAQs about Complimentary Health Check-Up with Health Insurance

Does having health insurance entail getting regular checkups?

What does 80D mean in an annual health check-up?

Which medical exams are necessary to obtain health insurance in India?

What is the price of a preventative health examination package in India?

What is the limit for preventative health examinations?

Does receiving a preventive health checkup require purchasing health insurance?

Why is it important to have a preventive health examination?

How can I get a free health checkup at Digit?

Could the result of my health checkup affect my policy premium?

Can I get reimbursement for an annual health checkup?

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