How You Can Get Free Medical Check-ups under Your Health Insurance?
Updated On Apr 27, 2021
Generally, health insurance policies entitle the policyholder to get a free health checkup, once every four years. But according to experts, not more than 25% of the policyholders, go for these medical checkups. The main reason is that many people do not know about the benefit and others fear that it might increase their premium amount. But this is not right and undergoing the medical test is good for the health of the policyholder and also helps to ease out the insurance procedure.
How to Get a Free Medical Checkup from the Insurance Provider?
Policy seekers are not charged an additional premium if some of the parameters in the medical test report are not satisfactory. But the findings of the health tests are considered only for underwriting purposes, at the time of policy renewal, if the client wants to increase the sum assured. These tests have no impact on the premiums but will only motivate the customers to learn more about their health. Here are the ways to get a free medical checkup from the insurer:
1. Contact the Insurer to Learn About the Health Checkups:
The insurance provider can be contacted in person at the nearest branch or through their dedicated customer care number to schedule the health checkup. The insurance company will verify all the details and will revert about the date, time, and location of the medical test. The company will send an authorization letter to the insured, which has to be submitted to the diagnostic center, along with the health card.
It is optimal that the insured gets the test done at the network hospitals of the insurance company so that the insured is not asked anything to pay. All the charges for the medical test will be paid by the insurance company. Or if the insurer performs the tests in the lab of his preference, then the cost of the medical test will be reimbursed by the insurer.
2. Check the List and the Cost of the Medical Tests:
The policyholder should read the policy document carefully to understand the percentage of the expense that will be reimbursed by the insurer for the medical checkups. Some insurance companies specify the tests, whereas others specify the cost. Various insurance providers offer a different list of medical tests, whereas complete blood profile, blood sugar levels, urine test, cholesterol check, ECG, etc., are mandatory for all insurance companies.
3. The relevance of Medical Tests to Claim Free Years:
According to the policy terms of most of the insurers, the benefit of medical tests will be available only after a specific block of claim-free years. This block could vary between 4 to 5 years. But there are health insurance companiesthat offer this benefit for their policyholders every year as well.
A routine and comprehensive medical test are important to identify medical problems in the body until they become very serious. Thus, it is feasible that policyholders call their insurer and schedule their free medical test, without affecting their premium in any way.
Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.