As part of your health insurance plans, you may get the benefit of a free medical check-up every two or three years. It allows you to undergo periodic health screenings at no additional cost. These checkups cover a wide range of tests, including lipid profile, blood pressure and blood sugar tests. Thus, helping you identify potentially serious illnesses like hypertension and cancer early.
In this blog, we discuss the test covered in this benefit and learn the steps you can follow to apply for a free medical check-up.
What Free Medical Tests Are Covered by Health Insurance?
Below is the list of medical tests that are generally covered under your medical insurance:
- CBC (Complete Blood Count)
- Blood Sugar Test
- Cholesterol Test
- Liver Function Test
- Kidney Function Test
- ECG (Electrocardiogram)
- X-rays (if needed)
Steps to Apply for Free Medical Check-ups
The process to avail the free medical health check-up is quite simple. Follow these five steps to apply for the benefit:
Step 1: Check What Your Policy Covers
Start by taking a quick look at your health insurance policy documents or logging into your insurer’s website or app. Browse for benefits labelled “Preventive Health Check-up” or “Wellness Benefits.” Also, check how often you can get a free check-up, which tests are included and whether there’s a waiting period before you can use it.
Step 2: Make Sure You’re Eligible
Before booking anything, confirm that your policy is active and that you meet the policy requirements for a free medical check-up. Some insurers offer free check-ups only after you’ve completed a certain number of policy years. At the same time, others may require that you didn’t claim in the previous year.
Step 3: Pick a Network Hospital or Lab
Next, head to a list of partnered hospitals or diagnostic centres. Always choose a nearby network provider with the best ratings to get the best results and minimal inconvenience.
Step 4: Book Your Appointment
You can book your check-up through the insurer’s app, website, customer care helpline or directly with the hospital or lab. Keep your policy number handy while booking.
Step 5: Get Your Documents Ready
On the day of the check-up, carry your insurance card or e-card, a valid government ID and any appointment confirmation. Ask in advance if fasting is required for certain tests.
Step 6: Get the Check-up Done
Visit the facility on your appointment day and complete the tests included in your package.
Step 7: Settle Cashless or Reimbursement
If it’s cashless, your insurer handles the payment directly. If reimbursement applies, submit the bills and reports within the required timeline.
Conclusion
A free medical check-up under your health insurance is a valuable preventive benefit that often goes underutilised. By taking advantage of periodic health screenings, you can monitor your health, detect potential issues early and avoid costly treatments in the future. Understanding what your policy covers and following the simple steps to book your check-up ensures you make the most of this benefit. Regular preventive care not only protects your well-being but also helps you get greater value from your health insurance plan.
