Benefits of free Health Check Ups with Mediclaim Policy

One of the benefits of health insurance policy is there are free medical check-up facilities which help to track of health everyday that help to take actions while being seriously ill.

Nowadays, many health insurance companies give advertise about free health check-ups as a main attraction f their policies. Regular check-ups help to keep our health well, help to find early detection of aliments and are very valuable in a country like India where people don’t go for regular check-ups or don’t know about it.

Health Insurance plans are the backup or may call protector of people in some serious problems or illness which are life snatching and also have expensive treatments. Besides this, a right health insurance plan is like an assurance for the insured while he/she faces some kind of difficulties; there are lots of people in every country who dies or suffers with lifelong pains due of lack of support. It is a guide, a friend, a helper, an assurer, a good protector which means an overall coverage for insured person but still it is not enough to get fully covered and having all kind of money while in danger. Health is wealth and no doubt freaking for being healthy and fit is become a mania now-a-days; after advanced technologies and lifestyle people get affected easily. Health Insurance Policies in today’s scenario works as a support system, but still people should take care of themselves to prevent serious illness. Health Insurance Plans are essential for every person as it gives security and safety to the insured person with various benefits. Though there are various terms and policies in every health insurance policy and various companies provide various additional benefits to their customer. In today’s scenario, the expenses on hospital treatments is increasing day by day which lead the families in problem to fulfill their need while maintain the hospital bills. None can assume about the expenses on hospitalization as the diseases don’t come with previous knocking and the treatment is also can’t be guessed, so it is impossible to keep aside a big amount of fixed money aside for covering the situation.

Health insurance companies offer free medical check-ups to determine whether it is mandatory or not an increase in the sum insured at the time of policy renewal. Medical test results don’t leave any effect on the paid premiums for the policy period; but free health check up facility allows policyholders to know about their health status.

Mediclaim: Medical Insurance or commonly known as ‘Mediclaim’ in India offers financial cover for individuals for treatment of medical conditions, diseases and accidents. This insurance offered by health insurers as well as life insurers. Mediclaim are of different kinds such as: Individual Mediclaim, Family Floater Policy, Tax Benefit, Exclusions, and Reimbursement.

• Mediclaim policy only gives coverage on hospitalization expenses and treatment for an accident or any kind of specific illness.
• But this kind of policy does not cover critical illness or other hospitalization charges as health insurance policy does.
• The sum assured here does not cross the amount of Rs. 5 lakh.
•  Mediclaim policy will help to continue making claims until the whole amount is spent.
• A mediclaim policy offers discount only at the time of buying policy.
• Medicalim policy reimburses the actual medical expenses.

Generally the number of free health check up offered varies between individual health plan and a family floater policy which may be of various companies. If there will be any health risk or condition that can be diagnosed during the check-up, then there will be no such increment have to give the users in the premium rate for that policy period. So this free medical check-up policy has some medical tests which may vary for company, but some common ones are like Blood Count, Lipid Profile, Urine Routine, Chest X-Ray and Fasting blood sugar etc. The provided amount of free health check-up by an insurance company reduces to the chosen sum insured as the higher sum insured will get higher benefits.

How to apply: To apply for a free medical check-up offered under the policy, an individual needs to first contact with the insurance company through online or offline. Then the applicants can choose a camp under the network, the company will fix the appointment and applicants will receive an authorization letter to show at the diagnosed center.

Source: http://basic-healthinsurance.com/

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Published By

Subhra Bera

www.basic-healthinsurance.com

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