Preventive healthcare is a vital aspect of family health insurance offered to policyholders. It provides the buyers with complimentary preventive health checkups and other health benefits. In recent times, where health is turning out to be a burning issue amongst people of all ages, family health insurance plans providing preventive health checkups will see a surge in demand.

An individual opting for preventive healthcare will be able to diagnose medical conditions as early as possible. This makes the treatment procedure simpler and more likely to succeed. A family health insurance policy with preventive health check-ups can avoid complications and assist with costly medications.

This article will tell us about the different ways in which preventive health check-up is included in family health insurance plans.

Inclusion of Preventive Healthcare in Family Health Insurance

A family health insurance policy a.k.a family floater health insurance is a well-known health insurance plan that covers family members under an umbrella plan. Preventive healthcare would cover the following people in a family -

1)    Policyholders

2)    Spouse

3)    Children

4)    Parents

If an individual is covered under a family floater but cannot verify if their family members are eligible for healthcare under the family floater health insurance, they can check their policy documents. If the plan purchase includes family health insurance, then the individual and their family members can choose preventive healthcare yearly based on the policy's terms and conditions.

Here is why insurance companies incorporate preventive health check-ups within the family health insurance they provide:-

    1)    A family floater health insurance boosts the willingness of policyholders to go for regular check-ups.

    2)    Preventive health checkups to identify health conditions quicker to start treatment on time.

    3)    The earlier the treatment, the higher the chances of recovery. Family health insurance plans allow quick admitting procedures since they provide guaranteed coverage.

    4)    A family health insurance policy reduces treatment time and medical costs for all individuals covered under the plan.

    5)    A preventive health check-up helps to detect probable health issues. Early detection can help in mitigating the risks of severe health complications.

    6)    Family floater health insurance protects and improves the quality of living and ensures long life. It also gives a sense of satisfaction to one, knowing that in the case of an emergency, they are adequately covered.

    7)    Family health insurance plans give a blueprint of the policyholder’s health and medical conditions to the insurance company. This ensures a claim is not rejected at a crucial phase.

Also Read: 7 Reasons Why Regular Health Check is Important

A few tests can be conducted as a preventive measure to ensure the well-being of the policyholder:-

1)    Complete Blood Count Test

2)    Diabetes

3)    BP Check

4)    Anaemia

5)    Obesity

6)    Tuberculosis

7)    Hepatitis

8)    Eye Checkup

9)    Hearing Examination

10)   Heart Scanning

11)   Cancer Screening

12)   Bone Density Test

13)   Pelvic/Pap Smear test for women

How to Avail Preventative Healthcare Benefits?

With a family health insurance policy that includes complimentary preventive healthcare, insured individuals can avail of benefits at any network hospital within the insurance provider's network.

Here is a breakdown of the procedure followed to avail of preventative health checkup benefits:-

    1)    Contact the insurer to inform them about opting for complimentary preventive healthcare services.

    2)    If eligible, you will have to choose a package best suited for yourself and your family. This should be availed at the network hospital.

    3)    Once purchased, the hospital shall contact you to book an appointment.

    4)    Go to the hospital to get tests conducted. Carry family health insurance plans for verification at the hospital.

It is crucial to ensure that the health insurance policy covers preventative health checkups for insured individuals. Any network hospital would make the process of availing preventative healthcare benefits simpler and quicker for individuals insured with valid insurance plans.

Conclusion

Most insurance companies provide preventive healthcare under family health insurance plans. If the benefit is mentioned in the health insurance policy, the buyers can avail it by getting in touch with their insurers. In case of no mention of preventive health checkups, one can still claim a tax refund of up to ₹5000 every year on medical bills. Identifying health conditions in the early stages can assist in recovery and prevent related health issues.

Disclaimer: The above information is indicative in nature. For more details on the risk factor, terms and conditions, please refer to the Sales Brochure and Policy Wordings carefully before concluding a sale.