We currently reside in a dangerous world where the average lifetime is decreasing while the incidence of diseases is rising. Because of this, medical professionals strongly recommend that we go in for routine check ups regularly and have an active health insurance plan so that we may better monitor our health. The benefits of going in for checkups at regular intervals are the topic that this article will focus on.
A full-body health checkup, which is included in comprehensive medical insurance coverage, is an excellent choice if you want to take precautions against any health problems. A thorough examination of your health should include your bones and vitamin intake tests. In addition to that, it will perform screening tests on your liver and kidneys and check your cholesterol levels.
Who should get their health checked out regularly?
People in the working-age group, defined as 30 and 60 years old, have been found to have an increased risk of developing lifestyle-related illnesses. Alterations to one’s lifestyle that are detrimental to one’s health, diseases that run in one’s family, and a lack of sleep can all contribute to various health issues ranging from very minor to life-threatening conditions.
In the long run, you will come out ahead financially if you get a complete physical examination that includes screenings for diabetes, high cholesterol, high blood pressure, and heart disease.
The significance of obtaining routine checkups for one’s health –
- Prevent health problems:
For example, if you get your sugar and cholesterol levels checked regularly, you will be able to determine the likelihood of developing diabetes or cholesterol in the future. This is because medical professionals will tell you to limit sugar consumption if you are on the verge of crossing a threshold. Therefore, you should exercise some degree of control over your health.
- Reduced outlays for medical care:
In the long term, regular checkups can save* you money. In addition, regular preventative check ups might lessen the likelihood of requiring surgical procedures or developing other persistent medical disorders.
- Eliminates the possibility of the disease spreading further:
Cancer is a condition that might be difficult to diagnose if detected at a later stage. Visiting your doctor for checkups at the recommended intervals can assist in early disease detection, saving your life.
- Lesser complication:
Suppose you are detected with an illness at an early stage. In that case, the complexity and danger associated with treating it are reduced compared to identifying it at a very late stage. This is because early detection allows for more time for treatment before complications arise. Your body can recover from any health complications more quickly if you get checkups regularly.
The following are the primary advantages of deductibles in health insurance:
- They help to lower the cost of health insurance. In addition, if you have chosen voluntary deductibles, the insurance company may offer rewards.
- It discourages you from filing minor claims, which helps you earn a No Claim Bonus* (NCB), which is used to increase the coverage of your primary health plan.
- Regardless of applicable deductibles, access to health insurance plans during medical emergencies or unexpected hospitalisation*.
Under Section 80D of the ITA, 1961, enacted by the Government of India, you can enjoy a tax* exemption of Rs. 5000 and provide preventive health checkup 80d proof for a faster claim.
‘Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.‘
Tax benefit is subject to change in prevalent tax laws
All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C apply
(* Standard T&C Apply )