Preventive Checkups Under Health Insurance - Importance And Benefits

Lifestyle in today’s day and age has become swamped with unhealthy eating habits, along with sedentary working conditions that make it critical to prevent diseases while also ensuring their timely diagnosis for a better chance of treatment. Therefore, medical professionals are increasingly stressing the importance of a preventive health checkup for the best possible chance of early detection of diseases to avoid medical complications. A preventive checkup facility aims to minimize the risk of ailments by helping in the early diagnosis of the illness. Hence, the treatment of any disease is far more effective when diagnosed early on. In addition, early diagnosis helps keep the treatment cost at an affordable level as many treatments can be sought using oral medications instead of surgeries and operations. With that being said, it is crucial to look for a medical insurance cover that includes preventive checkups in its feature list.

Essential Factors of a Preventive Health Checkup

With early detection of any ailment, it becomes easy to treat an illness at a lower cost. Thus, when buying a comprehensive preventive checkup cover, it is essential to remember its important factors, some of which are listed below -

1. Facility for early detection of life-threatening ailments.
2. Facility for periodic monitoring of vital conditions that enable an early diagnosis.
3. Employing the latest medical technology for timely diagnosis.
4. Follow up by medical professionals.

*Standard T&C Apply Also read: Health Insurance for Diabetes

Who Must Consider Buying a Preventive Health Checkup Cover?

In an ideal scenario, everyone above the age of 30 must choose to opt for preventive health checkups. As your age increases, various medical conditions start to creep in, either due to lifestyle conditions or due to family medical history. Using a preventive health checkup in your family health insurance plan helps avail a checkup facility for all insured beneficiaries. Further, individuals diagnosed with diabetes, hypertension, cardiac ailments, and obesity, must ensure periodic checkups at least annually, to stay aware of changing health conditions and the possible situations requiring immediate medical assistance. * Standard T&C Apply Also read: Are Chronic Diseases Covered Under Health Insurance Plans?

The Benefits of Health Insurance with Preventive Checkup Facility

The benefits of health insurance with preventive checkup facilities are hard to ignore. Here are some of them:

• Timely Precaution and Assessment of Health

The primary benefit of a preventive checkup facility is that it allows you to know the probability of a health condition taking you down. So, you can be prepared by making necessary modifications in your lifestyle as well as eating habits to avoid an illness. *

• Detection of Illnesses Ahead of Time

With a preventive checkup facility, medical professionals can begin treatments that are necessary early on. At most times, treatments availed during an early diagnosis help treat the illness more effectively, letting you avoid the complications that come along with a late diagnosis. *

• Lowers Medical Expenditure

Keeping a track of your health helps avoid the spending of money that otherwise would be required for medical treatments over and above what is being covered by a health insurance plan. *

• Promoting Long-term Wellness

Keeping a check on your health helps promote long-term wellness too. *

• Deduction in your income tax return

Not only are the health insurance premiums deductible in your tax returns, but the payments for a preventive health checkup are also deductible as well. A deduction of up to ?5,000 is available as a sub-limit in the amount that you are eligible for in your tax returns under section 80D. Remember that tax benefit is subject to change in tax laws. * *Standard T&C Apply Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read the sales brochure/policy wording carefully before concluding a sale.