Preventive Health Checkup - Path to Healthier Life
  • Information About Preventive Health Checkup Packages
  • Common Tests Under Preventive Health Checkup
  • Important Things To Remember Before The Checkup
Preventive Health Checkup
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Preventive Health Checkup

Nowadays preventing diseases is an absolute challenge due to unhealthy habits and sedentary routines. That's why doctors are recommending regular preventative health checkups to diagnose the diseases at the earliest.

Preventive health checkup is a necessity due to increasing lifestyle related illnesses and has 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 comprises various tests and diagnoses that help an individual to understand their health at a microscopic level allowing them to make amends in their lifestyle or habits to live a healthy life. Preventive health care allows individuals to understand the potential risks to their health and take preventive steps.

Benefits of Preventive Health Checkup

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 annual health checkups then you do not need to worry about spending on preventive health checkups from your own pocket. With preventive health care, you can save money on medical care in the longer 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 health care, 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 health care is a healthy habit to adopt and must be done by all adults. However, there are some people who 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 in order 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 in keeping your lipid profile in check
  • Individuals suffering from hypertension
    In case you suffer from increased BP and hypertension very often it is necessary for you to indulge in preventive health care and go for regular check-ups to keep your heart in great health.
  • 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 in order 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, defense, shipping, etc. it is essential for you to keep your health in check in order 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 on the cause of obesity and help them fight it better.
Health Checkups Cover

Types of Preventive Medical Checkup

There are various kinds of preventive health checkups that individuals can avail to detect potential health risks such as women's health checkup, child health checkup, full body health check-up, cardiac health checkup, 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 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 Weight Newborn Jaundice Reflexes
Adolescence Lipid Profile High 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) Skin Self-Exam 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-up on an empty stomach as it is mandatory to be fasting for at least 8-10 hours before any medical check-up is done.
  • Wear comfortable clothes in order to avoid any complications while diagnostic tests.
  • Inform your medical practitioner about any pacemaker, or any other metal object on your body before undergoing any CT scan, ECG test or others

Lists of tests under Preventive Health check-up

Preventive Health Checkup Packages
Diabetes TestBlood sugar fasting, Blood Sugar PP
Liver TestLiver enzymes, Serum Bilirubin
Blood ProfileBlood grouping, Complete Haemogram & ESR
Kidney TestSerum Creatinine, Blood Urea, Bun
Lipid ProfileCholesterol, Triglyceride, HDL, LDL
Thyroid TestTSH, T3 and T4 Level
Abdominal TestAbdominal Ultrasound
CancerPAP smear
CardiacECG, 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-up, 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 Health Care. 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 while going for a 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 maneuver.
  • 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.

Preventive Health Checkup : FAQ

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.

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Reviewed By: Naval Goel

Naval Goel is the CEO & founder of Naval has an expertise in the insurance sector and has professional experience of more than a decade in the Industry and has worked in companies like AIG, New York doing valuation of insurance subsidiaries. He is also an Associate Member of the Indian Institute of Insurance, Pune. He has been authorized by IRDAI to act as a Principal Officer of Insurance Web Aggregator.