Compare & Buy Car, Bike and Health Insurance Online - InsuranceDekho
Claim, renew, manage & moreLogin
Hurry Up!
Save upto ₹75,000 on taxes in 80D. Buy a health insurance now!
View Plans

Preventive Healthcare Plan: A Quick Guide

Updated On Aug 06, 2021

It is always wise to be prepared against the illness in order to prevent it rather than visiting a doctor at the time of illness. An ideal health insurance plan is one in case it offers coverage towards preventive measures such as diagnostic tests, doctor’s consultation, etc. A preventive healthcare plan assists in bringing the costly preventive care check-up accessible to the general public. By timely identification and minimizing the factors associated with illness through proper screening, this insurance cover has played out an important role in the life of many people. Preventive care and going for regular health check-ups can help you in keeping safe from illness which evolve silently over time and can even cause death to the one who is suffering.

Preventive Healthcare Plan: A Quick Guide

Key Features of Preventive Healthcare Plan

A preventive healthcare plan is a comprehensive plan that offers several significant benefits to the policyholders such as---

  • Free consultation from doctor/physician even on the telephone
  • Availing free medical check-ups throughout the year
  • Concessions are available at pharmacies
  • Discounts on health tests at pathology lab, diagnostic labs and radiology labs
  • Various benefits can be availed on dental services and check—ups
  • Discounts can be availed even on big health treatments along with consultation and diagnosis services
  • Helps in saving taxes under section 80 D of the Income Tax Act
  • To avail preventive health care you need to follow easy 3 steps. First of all, you need to contact the helpline number on the membership card and explain your health related query to the representative------secondly, the representative would guide you to the specialist for diagnosis and thirdly, you can receive your health treatment using the card without needing to spend any money every now and then.

Health Insurance V/S Preventive Healthcare Plan

Highlighted below are major points of differences between Health Insurance and Preventive Health Plan:

Basis Health Insurance Preventive Healthcare Plan
Senior citizen This plan is either denied to old people or a higher amount of premium is charged in order to insure them. Old people are given this plan easily and the same amount of premium is charged for everyone.
Pre-existing Disease All pre-existing diseases are not covered until the waiting period is over. Pre-existing diseases are covered under the plan.
Premium The amount of premium charged is generally high. The membership fee charged annually is comparatively low.
Health Services Radiology and pathology services are not covered. Radiology and pathology services are covered.
Claim Process Claim procedure is quite time-consuming. It is simple and fast to avail the services.
Expenses Covered A health insurance plan offers coverage against hospitalisation expenses. A preventive healthcare plan offers coverage against general medical expenses.
Coverage This plan offers coverage against serious illness. This plan offers coverage against preventive services and diagnostic services.

After knowing the importance of preventive healthcare plans, several insurance providers have started integrating this plan hence alerting individuals regarding the same.

Preventive Healthcare Package

Some of the common preventive healthcare packages offered to the customers are explained as follows:

  • Regular Plan: Under a preventive healthcare regular plan, an individual can go to the doctor for basic health check-up and keep themselves protected against any kind of illness.
  • Child Plan: A child healthcare plan allows the guardians or parents to take their kids, who are aged between 0 to 13 years for regular medical check-ups to the doctor.
  • Family Plan: Under this preventive healthcare plan, each family member can avail preventive healthcare irrespective of their gender or age.

In a Nutshell

With the modernization, we have adopted a sedentary lifestyle and have also consequently altered our eating and sleeping habits. This has largely affected the functioning of our bodies. In certain cases these lifestyle changes have also made us vulnerable to several diseases. Therefore, it is important for an individual to opt for a preventive healthcare plan based on their needs. Also, various customized plans are available today which can surely prove to be super money saviours. It is always important to cure a disease before it becomes a silent killer, so if you still do not have a preventive healthcare plan then buy one as soon as possible.

Also Read: Got A Preventive Health Check-Up? Don't Forget To Claim A Tax Deduction

Preventive Health Check-Ups and Tax Deductions

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.

Health Insurance Coverage Calculator

Who do you want to insured ?

  • Individual
  • Couple
  • Family
  • Parents

Age of eldest insured member ?

Where do you live ?

Metro
Non-Metro
Disclaimer : Actual Coverage might vary basis your location, age and number of members

Best Health Insurance Plans In India

  • Cover 5 L
    Starting at 832/month*
    No room rent limit 100% no claim bonusUnlimited restoration benefits3 years PED waiting period
    View All Features
  • Cover 10 L
    Starting at 739/month*
    No room rent limit Unlimited restoration benefits50% no claim bonus4 Years PED Waiting period
    View All Features
  • Cover 5 L
    Starting at 447/month*
    No room rent limit 33% no claim bonus100% restoration benefits3 years PED waiting period
    View All Features
  • Cover 5 L
    Starting at 1,312/month*
    No room rent limit 50% no claim bonus100% restoration benefits3 yrs PED waiting period
    View All Features
  • Cover 5 L
    Starting at 448/month*
    Single Private A/C Room 20% no claim bonus100% restoration benefits1 year PED waiting period
    View All Features
  • Cover 5 L
    Starting at 664/month*
    No room rent limit 20% no claim bonus100% restoration benefits2 years PED waiting period
    View All Features
  • Cover 5 L
    Starting at 675/month*
    No room rent limit 50% no claim bonusUnlimited restoration benefits3 years PED waiting period
    View All Features
  • Cover 5 L
    Starting at 690/month*
    Single Private A/C Room 100% restoration benefits3 years PED waiting period
    View All Features
  • Cover 5 L
    Starting at 546/month*
    Twin sharing room Zero no claim bonus100% restoration benefits2 years PED waiting period
    View All Features
  • Cover 5 L
    Starting at 566/month*
    No room rent limit 20% no claim bonus100% restoration benefits3 years PED waiting period
    View All Features
  • Cover 5 L
    Starting at 1,770/month*
    Zero no claim bonusNo restoration benefits1 year PED waiting period
    View All Features
  • Cover 40 L
    Starting at 62/month*
  • Cover 2 L
    Starting at 146/month*
  • Cover 5 L
    Starting at 806/month*
    Single Private Room 10% no claim bonus100% restoration benefits2 years PED waiting period
    View All Features
  • Cover 5 L
    Starting at 476/month*
    60% no claim bonus150% restoration benefits4 years PED waiting period
    View All Features
  • Cover 5 L
    Starting at 526/month*
  • Cover 5 L
    Starting at 855/month*
    25% no claim bonus100% restoration benefits4 years PED waiting period
    View All Features
  • Cover 5 L
    Starting at 448/month*
    Single Private A/C Room 20% no claim bonus100% restoration benefits1 year PED waiting period
    View All Features
  • Cover 5 L
    Starting at 396/month*
    No room rent limit Room rent upto 2% of SI Room rent upto 1% of SI No room rent limit
    View All Features
  • Cover 5 L
    Starting at 738/month*
    No room rent limit 50% no claim bonus100% restoration benefits3 yrs PED waiting period
    View All Features
Note: Premium is shown for 18yr old individual of Delhi
Show More
Must BuyMust Buy

Why to Buy Health Insurance Policy Online from InsuranceDekho

  • Tax benefit upto 75,000*
  • Claim support everyday 10AM-7PM
  • 66 Lacs+ happy customers