What Is Preventive Health Care Insurance?
Updated On Dec 09, 2020
As per the famous saying, “Prevention is better than cure”, it is always suggested to take necessary steps to distance yourself from diseases and for being healthy. This includes constant monitoring of health through full-body check-up at clinics and hospitals at regular intervals.
Health insurance companies and healthcare facilities across the nation provide several policies in the name of “preventive health check-up packages”. These are offered for people seeking to go through regular health check-ups. It doesn’t just assist policyholders to diagnose probable illnesses and take essential measures and precautions.
These types of packages are crucial for critical illnesses, as early detection of such ailments is very important so that proper treatment and medication could be given. Besides, preventive health check-ups may also seek the patient’s family history for consideration. It is helpful in accessing the risk of disease development based on genetic disorders and other related factors.
Persons can lead their lifestyles on the basis of the results of such preventive health check-ups. It definitely improves their quality of life and helps them head towards a much healthier life. Here is a list of some types of preventive care packages that can help people take the pro-active approach and examine their health in advance.
Types of Preventive Care Packages
In India, insurance providing firms provide several sorts of preventive health care packages, as per the type of patients.
Packages for Families
When it comes to family, the preventive healthcare packages comprise basic full body check-ups, diet-related consultations, dental check-ups, and so on. These are the packages which incorporate consultations with many types of physicians or specialised doctors covering ENT, ophthalmology, general surgery, cardiology, etc. People can avail the consultations at reasonable prices at top hospitals across the country. Insurers also provide separate personalised packages for men as well as women to deal with their specific medical needs.
In the last few years, cardiac-based illnesses have increased with an alarming rate in India. To combat such ailments, many customised health insurance policies are made available to undergo a complete cardiac check. This is being made to be implemented in several hospitals across the nation. The screening processes are framed to recognise the risk of strokes, heart attacks and other types of cardiovascular diseases. Consultations with the doctors, which are done according to these packages also consider family history and lifestyle of a person, before suggesting needed corrective measures.
Cancer is a disease, which is becoming the biggest threat to people, currently, due to changing food habits and lifestyle, especially among the younger generation. In the view of that, cancer screening programs are established for early diagnosis of the ailment. This can help individuals in identifying the risk they might experience later in the future.
Packages for Kids
Health is wealth for anyone and everyone. Therefore, acquiring good health is crucial for all, irrespective of the age of a person. Customers are eligible to avail health insurance policies for their kids up to the age of thirteen years. Health programs personalised especially for children comprise Paediatrics, Dental, Ophthalmology, ENT, Radiology Services, general check-up, and so on.
Customers seeking health insurance can easily avail Diabetes plans that comprise check-ups for all vital organs of the body.
Hospitals provide packages related to fertility check-ups that may cover tests to assess the quotient of fertility in addition to consultations with doctors and experts.
Corporate employers can procure preventive health care policies for their professionals or employees at subsidised prices from several healthcare facilities across the nation. These health plans are customised as per the requirements of the firm. Employers are absolutely free to opt for the level of health check-ups as well as consultations needed for their employees.
Customers are provided with specialised packages of dental care in addition to regular health check-up policies that are given by medical facilities and institutions.
Tests Included Under Preventive Care Packages
Normally, preventive policies incorporate tests such as blood tests, diabetes tests, cholesterol tests, cancer screening, HIV testing, pap smear, genetic testing and so on. Every health package is going to be customised as per the type of policyholder or customer going through the test.
Tax Exemption on Preventive Health Check-ups
As per the section 80D, policyholders can seek tax exemptions after availing a policy of preventive health check-up. In a situation where a preventive health plan is selected, policyholders can receive tax exemptions of up to Rs. 5000. This is incorporated in an overall deduction of Rs. 15,000 for premium payment towards a health policy for the policyholder as well as his or her family.
Companies Offering Preventive Health Care Insurance Plan
Here are the following organisations providing different types of preventive care health insurance plans in India:
New India Assurance
Bajaj Allianz General Insurance