Health Checkups

What is a health checkup in insurance? Do all health plans offer the same features for health checkups? Are there any conditions to avail this facility? Is it available on cashless or reimbursement basis? Are investigations like MRI or CT scan covered? Are health checkups free?

Health checkups are characteristically offered by indemnity based health insurance plans.

Features of health checkups by some plans:

Insurer	Plan	Time Period	Benefit Amount
New India Assurance	Mediclaim	After every block of 3 years(reimbursement)	Up to 1% of sum insured or 5k
HDFC ERGO	Optima Restore	From 2nd policy year for sum insured>=10 lakhs(cashless)	Individuals-1.5k to 5k Floaters-2.5k to 5k
Star Health	Star Comprehensive	Every claim free year(cashless)	2k to 5k based on sum insured
Max Bupa	Health Companion	From 2nd policy year	No specific amount; simple blood & urine tests

Conditions for availing health checkups (for most policies)

1. Insured should be 18 years or above

2. Tests should be taken at designated centres

3. Payment is usually on cashless basis

What happens if an insured makes a claim in a family floater policy? Will other members get the health checkup benefit? Yes in most plans but some like Star Health Comprehensive policy deny such a facility? So you have to really read the fine print or ask your advisor

Health checkup facility does not cover major tests like MRI or CT scan. Health checkup facility is an add on feature to attract and reward policyholders who pay renewal premiums on time and continue with the policy.