Apart from genetics, water quality, air pollution and othetr factors, people today have adopted various habits that are making them prone to health risks. An unhealthy diet, lack of sleep, less physical activity and regular consumption of alcohol and cigarettes play significant roles in health deterioration, putting you at risk.
With the help of complimentary preventive check-ups offered with your health insurance plan, you can easily monitor signs of diseases and health conditions. Preventive check-ups help you detect diseases very early, helping you treat them with better chances of success.
Early detection of diseases can also reduce the overall cost of treatment as compared to when the problem worsens. Read on to learn more about the role of health insurance in preventive care and how regular preventive check-ups can save you money.
Why Are Preventive Health Check-ups Crucial?
Tracking your health is key to knowing when you need to act, and regular health check-ups allow you to stay informed about this. Proper health information gives you time to make changes in your lifestyle that your health requires. For instance, if your blood report shows that you are pre-diabetic in your early 30s, you can alter your exercise and diet to avoid becoming diabetic later in life.
Getting preventive health check-ups is also necessary to avoid serious health issues. Check-ups can catch early symptoms that signal diseases developing in your body. Such information is crucial to treat the disease early and avoid further complications. In addition, check-ups can help doctors understand an underlying health issue even if you cannot spot any symptoms.
Higher than normal secretions of hormones, for instance, may be caught by regular health check-ups even before you begin to feel its effect. This way, doctors can advise the right course of action to prevent serious health issues later on. So, health check-ups are crucial for your health and overall well-being.
What Are The Advantages Of Health Insurance That Includes Preventive Check-ups?
Health insurance is a necessity these days since it provides you with wide coverage and brings down your out-of-pocket expenses. Since health treatment, hospitalisation and surgery are very costly, especially at reputed medical centres, having a health plan becomes vital.
Before investing in health insurance, check whether the provider covers preventive check-ups, as there are several benefits of a health insurance policy which does.
Health insurance with preventive check-ups allows you to assess your health and take timely measures for better health. When a disease is detected early, the chances of treating it become better. This also prevents it from developing into a complicated issue and helps you avoid unnecessary expenses.
Not only do you get tax benefits when you avail health insurance, but you also get a separate deduction on check-ups of up to ₹5,000. This is included under the overall tax deduction limit of ₹25,000 to ₹50,000[EW1] based on your age.
What Kind of Preventive [EW2] Care Is Covered Under Health Insurance?
Check-ups aren’t the only preventive care facility that health insurance policies provide. Read on to know the types of preventive care you can access with the right plan.
1. Routine Health Examinations
This coverage includes various preventive services like health screenings, vaccinations, and check-ups. These may include annual screenings for adults and children, which considers health markers such as height, weight, blood pressure, cholesterol and more. Even mammograms and cervical cancer check-ups are covered by certain providers.
2. Immunisation
This coverage includes vaccines essential to prevent infections for both kids and adults, which most family health plans provide. Vaccines for measles, tuberculosis[EW3] and flu are some examples.
3. Education about health
Health insurance can also offer you free counselling for preventive care. This may include sessions to help beat addictions, information on how to manage weight for a healthy life and even information on mental health and well-being.
An undetected disease can cause major problems in the future. Treatment of late-stage diseases is much more expensive and complex as compared to early-stage diseases. This is why you can save on your medical bills when you get routine check-ups.
Now that you have understood why health insurance plans with free preventive check-ups are good for your health and your pocket, invest in one today. Get the Bajaj Markets App and compare the best health insurance plans offered by top insurance partners.
Give yourself and your family a healthier future with a health insurance plan that covers preventive check-ups. Download the Bajaj Markets App on Google Play or App Store and take the necessary steps to safeguard your health.
