Health Insurance

Preventive Health Checkup

Preventive diseases have become a significant challenge due to unhealthy habits and the sedentary routine of the modern lifestyle. Doctors usually recommend regular preventive health check-ups to…

Preventive diseases have become a significant challenge due to unhealthy habits and the sedentary routine of the modern lifestyle. Doctors usually recommend regular preventive health check-ups to detect potential severe diseases and avoid complications. Preventive health check-ups can be suitable for senior citizens and older people as they give them an early warning about the diseases they are prone to and can take necessary precautions to avoid them.

What are Preventive Health Checkup?

A preventive health checkup is a series of medical tests performed to determine steps to be taken to prevent disease. Preventive health care detects certain behaviors, habits, infections and medical issues before they become severe or life-threatening diseases.

Various researches show that preventive health checkups are an effective way to determine the potential health issues even before diagnosis and require costly treatment.

Benefits of Preventive Health Checkup

Preventive health checkups are offered under almost every comprehensive health insurance plan. Below mentioned are some of the benefits of buying preventive health checkup packages:

  • Determine the probability of getting sick.
  • Early detection of potentially life-threatening diseases.
  • Increase chances of receiving early treatment and sometimes cure.
  • Helps in monitoring pre-existing health conditions.
  • Helps in improving the lifestyle.
  • Helps you in actively monitoring your health.

Who Requires Preventive Health Checkup?

Anyone who is 30 years old or above 30 years of age needs preventive health check-ups because after 30 years, people are more likely to be affected by severe diseases or serious life-threatening illnesses. Preventive health check-up is essential for people suffering from the following diseases:

  • Obesity
  • Cardiovascular diseases
  • Hypertension
  • Diabetes

List of Preventive Health Checkups Packages

Preventive health checkup offers various healthcare packages based on age, gender, and disease:

  • Family Package

Under the family package, the entire family can avail of the benefits of full-body check-ups, dental consultation, dietary, and ophthalmic. Some hospitals provide customized healthcare packages for both men and women.

  • Cardiac Package

Under the cardiac package, you can identify the risk of cardiovascular diseases and heart attack. Moreover, you will also get the proper consultation regarding the diseases.

  • Diabetes Package

The diabetes package offers regular checkups for diabetic patients to check the performance of their vital organs and to avoid complications.

  • Cancer Package

The cancer package helps detect cancer in the early stages and future risk assessments.

  • Pediatric Package

The pediatric package offers a wide range of Ophthalmic, Pediatric, Dental, and general check-ups for children up to the age of 13 years.

  • Fertility Package

Under this package, couples with problems in conceiving can get expert consultation.

  • Dental Package

Under this package, you can take dental checkups other than your regular dental checkups.

List of the Tests Under Preventive Health Check-ups

Below mentioned is the list of tests performed under preventive health checkups:

Preventive Health Checkup Packages

Type of Package

Tests

Diabetes

Blood Sugar PP, Blood sugar fasting

Liver

Serum Bilirubin, Liver enzymes

Blood Profile

Complete Haemogram, Blood grouping & ESR

Kidney

Blood Urea, Serum Creatinine, Bun

Lipid Profile

Triglyceride, HDL, Cholesterol, LDL

Thyroid

T3 and T4 Level. TSH

Abdominal

Abdominal Ultrasound

Cancer

PAP smear

Cardiac

2D Echocardiogram, Chest X-ray, Coronary Angiography, ECG

Major Preventive Medical Tests to Consider for Different Age Groups

Below mentioned are the lists of various age-specific preventive medical tests that a policyholder must check before going for a preventive health check-up:

Age

List of Preventive Medical Checkups

0-10 years

  • Hearing Test
  • Autism Spectrum Disorder
  • Ophthalmic Exam
  • Newborn Jaundice
  • Percussion
  • Oral Examination
  • Auscultation
  • Reflexes
  • Palpation

10-20 years

  • Anemia
  • Lipid Profile/ High Cholesterol
  • Diabetes Test
  • Chlamydia
  • Gonorrhoea
  • Hepatitis C
  • Hepatitis B
  • High Blood Pressure
  • Tuberculosis
  • Obesity

20-30 years

  • Hepatitis C
  • Diabetes Test
  • Lipid Profile/ High Cholesterol
  • High Blood Pressure
  • Eye Examination
  • HIV
  • Pap Smear (Women Only)
  • Pelvic Exam (Women Only)

30-40 years

  • Diabetes Test
  • Dental Examination
  • Hepatitis C
  • Colon Cancer Screening
  • Eye Examination
  • Lipid Profile/ High Cholesterol
  • High Blood Pressure
  • Skin Cancer Screening
  • Pap Smear (Women Only)
  • Pelvic Exam (Women Only)
  • Testicular Examination (Men Only)

40-60 years

  • Cervical Cancer Screening/ HPV Test (Women Only)
  • Dental Examination
  • Hearing Test
  • Breast Cancer Screening (Women Only)
  • Bone Mineral Density Test (Women Only)
  • Colorectal Cancer Screening
  • Diabetes Test
  • High Blood Pressure
  • Eye Examination
  • Lipid Profile/ High Cholesterol
  • Heart Disease Screening
  • Prostate Cancer Screening (Men Only)
  • Infectious Disease Screening
  • Skin Cancer Screening
  • Testicular Examination (Men Only)
  • Lung Cancer Screening (Men Only)
  • Osteoporosis Screening
  • Pap Smear (Women Only)
  • Pelvic Exam (Women Only)

Above 60 years

  • Bone Mineral Density Test (Women Only)
  • Aneurysm
  • Colorectal Cancer Screening
  • Diabetes Test
  • Eye
  • Breast Cancer Screening (Women Only)
  • Cervical Cancer Screening/ HPV Test (Women Only)
  • Depression Screening
  • High Blood Pressure
  • Pap Smear (Women Only)
  • Lipid Profile/ High Cholesterol
  • Pelvic Exam (Women Only)
  • Hearing Test
  • Prostate Cancer Screening (Men Only)

Tax Benefits Under Preventive Health Checkup

Under section 80D of the Income Tax Act, 1961, passed by the Government of India, you are eligible for a tax exemption of INR 5K on preventive health checkups. A total of INR 25K can be claimed to cover the cost of preventative health exams for you, your spouse, or your dependant children. You can avail additional 25K for insurance for your parents (less than 60 years of age).

Does your health insurance cover Preventive Health Checkup?

Many health insurance companies cover basic health tests. Before buying a Health Insurance plan, you must read the Terms & Conditions to check the coverage of Preventive Health Care. So, if you are going for any check-up that is not covered under your health policy, you have to pay for it as it is non-claimable.

Many health insurance companies offer coverage for basic health tests. You should always read the terms and conditions of the health policy to check coverage for preventive health checkups before buying a health insurance plan. So, if you are going for a health check-up not covered under your health insurance plan, you will have to pay for it.

Things to remember while Buying a Preventive Health checkup

Below mentioned are the things to consider while buying Preventive Health Checkups:

  • 10 hrs of an empty stomach is required for most of the tests.
  • You should wear loose and comfortable clothes for better manoeuvring.
  • Avoid wearing accessories or metallic objects such as watches, chains, etc., while going for imaging tests like X-Rays, CT scans, etc.
  • Intimate your doctor if there is any pacemaker installed in your body before the checkups.

Some Other Important Health Insurance Pages

Conclusion

A preventive health checkup is a tool for early detection that enables you to stay informed about your body's experiences as you age. While a person may occasionally exhibit signs and symptoms, they often go unnoticed without regular checkups.

In terms of the individual's health, early diagnosis is one of the significant benefits of a preventive health check-up. Additional benefits such as tax benefits are significant benefits of preventive health checkups. So, if one wants to improve their health insurance portfolio, one should opt for a preventive health check-up.

 

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