- What is Preventive Health Check-up?
- Included Tests
- Things To Remember
Preventive Health Checkup: Path to a Healthier Life
"I used to think that health was something I could take for granted. But a routine check-up changed my perspective. A seemingly minor issue was detected early, and timely intervention saved me from major healthcare expenses."- Simran Saxena
In this fast-paced life, we often forget that our health is the first priority. Some diseases like diabetes, kidney-related diseases, cardiovascular issues, etc. remain undetected if you do not go for preventive tests. These diseases are challenging as they are easy to go unnoticed in the initial days, but can be detected only through proper tests.
Also, these underlying diseases can easily develop due to unhealthy habits and sedentary routines. That’s why doctors are recommending regular preventative health checkups to diagnose the diseases at the earliest.
Did You Know!! 
According to the National Institutes of Health, preventive checkups can reduce the financial burden of healthcare. It detects potential health issues before they become critical.
Preventive health checkup is a necessity due to increasing lifestyle-related illnesses and have proven to reduce financial stress on individuals in the long run. The process of going through a preventive health checkup gives you insight into your health and can help you prevent a critical illness or even cure one before it becomes a bigger issue. Individuals can avail of the facility of a preventive health check-up under some of the health insurance plans annually without any additional charges.
What is Preventive Health Checkup?
A preventive health check-up is a medical examination conducted to identify any potential health risks at the earliest. It comprises various tests and diagnoses that help an individual to understand their health at a microscopic level. Thus, allowing them to make amends in their lifestyle or daily habits to live a healthier life. Preventive health care allows individuals to understand the potential risks to their health and take preventive steps at the earliest.
Health Insurance Plans With Preventive Health Checkups
| Plan Name | Coverage | Sum Insured |
| Niva Bupa Aspire | Cover for the defined list of tests | 1 Crore |
| Star Women Care | Available every policy year regardless of claim. From Rs 1000 - 5000 per insured person | 1 Crore |
| ManipalCigna Prime Active | Health checkups are available once every 3 years on a cashless basis only in the network hospitals/ clinics of ManipalCigna | 15 Lakhs |
| Care Heart | Every year irrespective of claim to all members | 10 Lakhs |
| Aditya Birla Activ Health Platinum Enhance | Every year irrespective of any claim | 2 Crore |
| Star Assure | Covered annually from 1st year onwards, the limit varies as per SI | 2 Crore |
Get to know more about health insurance plans in India.
Benefits of Preventive Health Checkups
There are a plethora of benefits of preventive health check-ups and we have listed a few below:
- Evaluation of Your Health
You can assess your health via a preventive health checkup and make better decisions for your overall health. Preventive health check-ups direct you towards the needed changes in your lifestyle such as dietary changes, lifestyle changes, detection of any allergies or vitamin deficiencies, and more. - Lower Medical Bills
If you are covered by a health insurance policy that provides free annual health checkups then you do not need to worry about spending on preventive health checkups from your pocket. Other than that, many insurance plans also offer annual health checkups for a minimum out-of-pocket amount that is comparatively lower than market rates. With preventive health care, you can save money on medical care in the long run by preventing any major illnesses. - Prevents Future Health Complications
Preventive health care is essential as it warns individuals of future medical complications in case of any pre-existing disease. Individuals with cardiac ailments, cancers, or any other serious complications must use preventive health checkups as a marker to measure their health consistently. - Motivation For an Active Lifestyle
Individuals who are consistent with their preventive health care are inclined towards keeping themselves in the best shape physically and mentally. A healthy body results in a healthy mind and a preventive health checkup allows you to be motivated in keeping an active lifestyle. - Stay Updated with Medical Technology
A regular preventive healthcare habit will allow you to build a relationship with your doctor and help them understand your medical history while you are updated about the latest medical technologies and treatments for any potential illnesses in the future. - Understand your Family Medical History
With preventive healthcare, individuals can understand their family medical history better as it allows them to dig deeper into possible future illnesses such as cancers, heart ailments, auto-immune ailments, and more.
Who Requires Preventive Health Checkups?
Preventive healthcare is a healthy habit to adopt and must be done by all adults. However, some people require it more than others:
- Individuals Over the Age of 30
If you have crossed the age of 30, you must get in the habit of regular preventive health checkups to educate yourself about the potential threats to your health and fitness. Regular health checkups will allow you to detect any vitamin deficiencies, keep you motivated to stay fit, and help you keep your lipid profile in check. - Individuals Suffering from Hypertension
In case you suffer from increased blood pressure and hypertension very often you must opt for preventive healthcare and go for regular check-ups to keep your heart in great health for years to come. - Family Medical History
If your family suffers from a long list of medical ailments such as heart issues, cancers of varying degrees, auto-immune diseases, diabetes, dementia, osteoporosis, or any reproductive health issues, it is essential to get yourself checked regularly to find the solution for any potential health risks that may arise later in life. - If you work in a high-risk environment
If you are an individual who works in a high-risk industry such as mining, construction, defence, shipping, etc. it is essential for you to keep your health in check to stay fit for your job and for your loved ones. - Individuals Suffering from Obesity
Individuals who are suffering from obesity must seek help via preventive health checkups which will keep them motivated by showcasing their progress in health and fitness and also improve on the health markers that are not up to the mark. It will provide them with a better insight into the cause of obesity and help them fight it better.
Types of Preventive Medical Checkups
There are various kinds of preventive health checkups that individuals can avail to detect potential health risks such as women’s health checkups, child health checkups, full body health checkups, cardiac health checkups, etc.
| Types Of Preventive Check-ups | List of Preventive Health Tests |
| Full Body Checkups | Blood and Urine Tests, Lipid Profile Tests ,Vitamin Check, Ultrasonography of the abdomen and pelvis, Thyroid Tests, Kidney Function |
| Cardiac Checkups | Chest X-ray, ECG, and Echo Cardiography |
| Diabetes Checkup | Fasting Blood Sugar Level Test, HbA1c Test, Glucose Tolerance Test |
| Health Check-Up For Women | Pap Smear Tests, Cervix Cancer Test, Pelvic Exam, Breast Cancer Test |
| Child Health Checkup | Eye Examination, Hearing Test, Blood Group and Rh Type Test, Complete Blood Count, Stool Test, and Urine Analysis |
Preventive Health Care for Various Age Groups
There are various preventive health checkups set for different age groups mentioned below:
| Age Group | Preventive Health Checkup |
| 0-10 years | Auscultation, Palpation, Percussion, Ophthalmic Exam, Hearing Test, Temperature, Newborn Weight, Jaundice, Reflexes |
| Adolescence | Lipid Profile, Cholesterol, Obesity, Diabetes, Anemia, High Blood Pressure, Hepatitis B, Hepatitis C, HIV, Tuberculosis, Chlamydia, and Gonorrhea |
| Adults (20-40 Years) | Weight Check, Blood Pressure, Lipid Profile, Pelvic Exam and Pap Smear (For women), Eye Examination, Hepatitis C, Vaccinations (if any), Testicular Self-exam (For men), Colon Cancer (Other exams if needed on doctor’s recommendation) |
| After 40 Years | BP, Cholesterol Screening, Heart Disease Screening, Cancer Screening, Cervical Cancer Screening, Eye Examination, Dental Examination, Diabetes, Immunization, Lung Cancer, Breast Cancer, Bone Mineral Density |
| After 60 Years | Depression Screening, Diabetes Test, Hearing Test, Bone Density Test (Any other test recommended by the doctor) |
Factors To Consider Before Undergoing Preventive Health Check-up
Here are some factors you must keep in mind before going for a preventive health care test:
- Individuals must reach the pathological lab for preventive health check-ups on an empty stomach as it is mandatory to be fasting for at least 8-10 hours before any medical check-up is done, or as per the doctor’s suggestion.
- Wear comfortable clothes to avoid any complications during diagnostic tests.
- Inform your medical practitioner about any pacemaker, or any other metal object on your body before undergoing any CT scan, ECG test, etc.
Lists of Tests under Preventive Health Check-up
| Preventive Health Checkup Packages | |
| Types | Tests |
| Diabetes Test | Blood sugar fasting, Blood Sugar PP |
| Liver Test | Liver Enzymes, Serum Bilirubin |
| Blood Profile | Blood Grouping, Complete Haemogram & ESR |
| Kidney Test | Serum Creatinine, Blood Urea |
| Lipid Profile | Cholesterol, Triglyceride, HDL, LDL |
| Thyroid Test | TSH, T3, and T4 Level |
| Abdominal Test | Abdominal Ultrasound |
| Cancer | PAP smear |
| Cardiac | ECG, 2D Echocardiogram, Coronary Angiography, Chest X-ray |
Tax Deduction Under Section 80D
You can avail of a tax exemption of INR 5000 under section 80D of the Income Tax Act, 1961 on preventive health check-ups, enacted by the Govt. of India. You can claim an overall amount of INR 25000 at the expense of preventive health checkups for yourself, your spouse, or your dependent children.
Know more about Save Taxes Under Health Insurance Policy
Does Your Health Insurance Cover Preventive Health Checkups?
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 healthcare. So, if you are going for any check-up that is not covered under your health policy, then you have to pay for it as it is non-claimable.
Things to Remember: Preventive Health Checkup
Here is a list of things to consider while going for preventive health checkups:
- Most of the tests require an empty stomach of at least 10 hrs.
- You need to wear easy and comfortable clothes for better manoeuvre.
- Never wear accessories or metallic objects while going for imaging tests like CT scans, X-rays, etc.
- Inform your doctor if you are on a pacemaker before the checkups.
- Be committed to regular checkups and follow a healthy lifestyle.
Bottom Line
Preventive health check-ups are a vital investment in your well-being. By prioritizing regular health screenings, you can detect potential health issues early on, reduce the risk of serious illnesses, and improve your overall quality of life. Remember, early detection is key to effective treatment and a healthier future. So, make it a priority to schedule your preventive health check-up today and take control of your health.
Don’t wait for symptoms to appear. Take proactive steps towards a healthier you by scheduling a preventive health check-up. To know more about health insurance plans, visit Policyx.com.
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Preventive Health Checkups: FAQs
1. Is tax benefit 80D applicable on preventive health checkups?
Yes, you can avail of tax benefits under section 80D up to INR 25,000. This includes INR 5,000 on preventive health checkups and in case the insured individual is over 60, the tax benefit increases for up to INR 50,000.
2. What is the average cost of preventive health check-ups in India?
It is fairly easy to avail of preventive health checkups in India as various medical care companies provide at-home preventive tests. In India, it is easy to avail of preventive health check-ups as they are very affordable and costs vary from 799 to 4000.
3. What comprises a preventive health check-up?
A preventive health checkup usually comprises a combination of various different tests such as a blood sugar test, lipid profile test, kidney test, eye exam, liver test, thyroid test, and more.
4. Are there different types of preventive health checkups for different age groups?
Yes, there are different preventive checkups for different age groups as the potential risks to health are different at every age.
5. Who should avail of preventive health checkups?
Everyone should avail of preventive health checkups with increasing age but people over the age of 30, people with a family history of medical illnesses, individuals with pre-existing diseases must opt for this facility without a second thought.
6. Do we need to show proof for preventive health check-up?
No, you do not need to show any other document to claim the deduction, just show the report as proof.
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Written By: Simran Saxena
An explorer and a curious person, Simran has worked in the field of insurance for more than 3 years. Travelling and writing are her only passion and hobby. Her main agenda is to transform insurance information into a piece that is easy to understand and seamlessly solves the reader’s query.
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