How Does Free Health Check-up Benefit Customers ?
Regardless of how healthy a person seems, everyone needs regular health check-ups. It has been advised time and again by doctors that full-body screen once a year is essential to keep track of your health. These health checkups can help detect any possible ailments you are at risk for and take a preventive approach to keep you healthy.
Some of the benefits of annual health check-up are:
It helps you save money in the long run. Paying for annual health check-ups reduce the risk of potential health ailments and prevent the cost of surgery or any other serious expenditure
It nips the disease in the bud and ensures that you get rid of them before they take any serious shape.
It helps doctors to properly evaluate the functioning of the various organs of your body like the liver, kidneys, heart and thyroid.
It helps in the identification of stress-related diseases and addresses them right away.
If you undergo regular health checkup, it also gets easier for you to get a health insurance policy. It is because every insurance company needs a person to undergo medical examination before providing them with a health insurance policy. It is known as mandatory pre-policy health check-up. This is to find out if the person has any pre-existing diseases and to minimize the risk of covering the person. Most insurance companies have some waiting period after which they provide coverage for pre-existing diseases.
Complimentary Health Check-up With Health Insurance Renewal
The exciting part is that HDFC ERGO provides offer health check-ups once in 4 years post continuous renewals. And if you happen to own HDFC Ergo health insurance,, then you are eligible for yearly health check-ups free of cost on policy renewal. That means with HDFC ERGO my:health Suraksha, you can go for annual check-ups (every year) without paying anything.
Common tests which are covered under complimentary health check-up include ECG, complete blood count, thyroid profile, fasting blood sugar, lipid profile, urine test, etc. You can avail cashless complimentary health check-up in a network hospital only. You can visit the hospital, furnish your policy details, and avail cashless health check-up. However, some companies also allow reimbursement of annual health check-up (up to a specified limit).
Myths about Annual Health Check-up
Many people have this misconception that if any disease is found during complimentary health check-up, it may affect the insurance premium. This is far from being true. Once you have been issued a policy, the insurance premium will not vary based on your health report. Insurance companies only take into account any pre-existing diseases you have at the time of policy purchase.
Disclaimer: The above information is for illustrative purpose only. For more details, please refer to policy wordings and prospectus before concluding the sales. T&C* Apply. my:health Suraksha: HDFHLIP20049V041920 UID NO: D2HI533