Your health is your most valuable asset. It’s what defines how far you can get to in pursuit of your dreams and desires, and regular health checkups are one of the surest ways to be aware of your body’s current condition, the ailments it’s dealing with and the ones it's at risk of. Medical professionals recommend a complete physical checkup at least once a year. But with the high, ever-increasing costs of medical testing, a lot of people tend to disregard the value of regular health checkups, treating a necessity much the same way as they would an exorbitant luxury. The thing is, they don’t need to! A vast majority of Indians already own some sort or form of health cover. And a lot of them are just unaware that their health insurance entitles them to free health checkups. Are you one of them?
Free health checkups- myths and realities
Free health checkups are a standard feature of modern-day health insurance policies. It’s also one of the most commonly ignored facets of health cover as far as the consumers or policyholders are concerned. Recent studies reveal that less than a quarter of policyholders actually utilize this facility to their benefit. Strange, isn’t it? While a large section of health insurance customers are just unaware of this feature, there are many that, while fully aware of it, choose not to make good of the facility fearing it will cause a rise in their policy’s premium. This fear is entirely unwarranted. Free health checkups are an excellent benefit, one to be drawn on to safeguard your health—the reason you purchased health insurance in the first place!
How to avail free medical checkups
The concept of Claim free years and its application to your health/medical tests
If you read the terms and conditions of your health insurance policy, you’re likely to come across a clause that states that free health checkups are a benefit that can only be availed after a block of four or five claim free years. If the block is for four claim-free years, it means that you are entitled to avail free checkups during the fifth year, provided you haven’t sought a claim the last four years.
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