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In today’s world, preventive measures emerge as the cornerstone of longevity and vitality. Preventive health check-ups facilitate early detection of potential health concerns. This enables you to get the right treatment on time.

On Bajaj Markets, you can compare multiple health insurance plans and enjoy these regular check-ups. You can apply for the best-suited policy online, the premium cost for which starts from ₹160.

Understanding Preventive Health Check-up

It refers to a medical examination that allows you to detect potential health issues at an early age. This enables you to take appropriate actions to prevent or treat this possible issue. Many insurance companies offer preventive health check-ups as an added benefit of the policy. 

Benefits of Preventive Health Check-ups

Regular medical examinations empower you to live a healthier and happier life. Here are some of the advantages of preventive health check-ups.

  • Evaluates Health Regularly

These check-ups provide a regular update on your health condition, facilitating you to make better decisions

  • Reduces Medical Bills

If your health insurance covers these check-ups, you do not have to worry about paying for them from your pocket

  • Prevents Future Health Concerns

They warn you about potential health concerns before they develop into serious issues

  • Motivates for an Active Lifestyle

You will be more inclined to keep yourself in the best shape physically if you go through regular health check-ups

List of Medical Tests Under Preventive Health Check-ups

There are various kinds of preventive check-ups medical insurance plans cover. These may include the following.

Types Of Preventive Health Check-ups

Preventive Health Tests

Full Body Check-up

  • Blood and Urine Tests 

  • Vitamin Check 

  • Lipid Profile Tests 

  • Ultrasonography of the abdomen and pelvis

  • Thyroid Tests 

  • Kidney Function

Cardiac Check-up

  • Chest X-Ray 

  • Echo Cardiography

  • ECG

Diabetes Check-up

  • HbA1c Test 

  • Fasting Blood Sugar Level Test 

  • Glucose Tolerance Test

Health Check-up for Women

  • Pap Smear Tests 

  • Pelvic Exam 

  • Cervix Cancer Test 

  • Breast Cancer Test

Health Check-up for Children

  • Eye Examination 

  • Blood Group 

  • Hearing Test 

  • Rh Type Test 

  • Stool Test 

  • Complete Blood Count 

  • Urine Analysis

Preventive Health Check-ups for Various Age Groups

There are different kinds of medical examinations for different age groups. Check the details in the table below- 

Age Group

Preventive Health Check-ups

0-10 Years

  • Auscultation Palpation Percussion Ophthalmic Exam

  • Temperature-Weight of Newborn

  • Hearing Test 

  • Jaundice Reflexes

10-20 Years

  • Lipid Profile 

  • Diabetes 

  • High Cholesterol 

  • Anaemia 

  • Hepatitis B and Hepatitis C 

  • High Blood Pressure 

  • Tuberculosis Chlamydia 

  • HIV 

  • Gonorrhoea

20-40 Years

  • Weight Check 

  • Blood Pressure 

  • Lipid Profile 

  • Pelvic Exam 

  • Pap Smear (for women) 

  • Eye Examination 

  • Hepatitis C Vaccinations (If any)

  • Testicular Self-exam (for men) 

  • Skin Self-exam 

  • Colon Cancer (Other exams if needed on doctor's recommendation)

40-60 Years

  • Blood Pressure 

  • Cholesterol Screening 

  • Heart Disease Screening 

  • Cancer Screening 

  • Cervical Cancer Screening 

  • Eye Examination 

  • Dental Examination 

  • Diabetes Immunisation 

  • Lung Cancer 

  • Breast Cancer 

  • Bone Mineral Density

Above 60 Years

  • Depression Screening 

  • Diabetes Test 

  • Hearing Test 

  • Bone Density Test (Any other test recommended by the doctor)

How Preventive Health Check-ups Prevent Lifestyle Diseases

These regular examinations allow you to stay ahead of the curve when it comes to your well-being. Here is how it prevents lifestyle diseases.

  • Preventive health check-ups warn you about health concerns early on

  • This allows you to take preventive action and change your lifestyle to avoid or manage the situation

  • Through regular exercise and healthy eating, you can control conditions like hypertension

Points to Consider When Getting Preventive Health Check-up

If you have decided to take control of your well-being, consider going through a medical examination. Here are a few things you need to take into account when getting a preventive health check-up.

  • Assess your health objectives and the reason for getting the check-up

  • Share your medical and family history with the healthcare provider

  • Opt for preventive health check-ups designed for specific age groups or gender

  • Only get tests done from accredited labs or clinics with a reputable track record

  • Decide how often you need these check-ups

  • Get expert’s advice to decipher what your test results say

Tax Deductions on Preventive Health Check-ups Under Section 80D

As per Section 80D of the Income Tax Act of 1961, you can enjoy deductions of up to ₹5,000 for preventive health measures. Note that this deduction will be within the limit of ₹25,000 or ₹50,000 (senior citizens) for health insurance premiums. 

FAQs on Preventive Health Check Up

What is a preventive health check-up?

A preventive health check-up involves a battery of tests that are conducted periodically to detect the presence or likelihood of certain diseases at an early stage.

What is the cost of a comprehensive preventive health check-up package in India?

In India, the cost of a comprehensive preventive health care check-up package falls somewhere between Rs. 1000-12,999 depending on your provider and tests included.

Who should opt for preventive health check-ups?

If you are 30 years old or above, you should ideally start looking into preventive check-ups. A standard check-up screens your physical condition with the objective of detective a number of diseases, some of which are:

  • Diabetes

  • Cardiac issues or heart disease

  • Obesity

  • Hypertension

Why are preventive health check-ups important?

By opting for a preventive health check-up, you are giving the future you with a better chance at beating lifestyle, genetic diseases and living a long healthy life. It also helps in keeping lifetime medical costs under control. 

What is a preventive health check-up benefit?

If you have held a Bajaj Allianz Health Insurance policy for a continuous period of 3 years, then at the end of it, you are eligible for a free preventive health check-up. Our partner, Bajaj Allianz, will reimburse the amount equal to 1% of the sum insured max or up to ₹2,000/- (whichever is less), for each member, during this block period of 3 years.

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