'Good health is not a product that one can buy, but is earned with healthy practices throughout their lifetime'. It's not just a general thing to say, as our lifestyle practices directly impact our health in a good or bad way.
But how come somebody knows if they're healthy? The simplest way is by going through a medical examination of their body once in a while. A full-body or profile medical check-up consists of a regular diagnosis of one's blood pressure, blood sugar levels, urine, metabolism, thyroid, vitamins, hormonal altercations, and so on. However, getting all these tests at a time may seem expensive to many of us. In such conditions, we should rely on our health insurance policy which provides coverage for preventive or an annual health check-up.
Read this article to learn about the types of general health tests covered under HDFC ERGO free health check-up coverage, how to avail of the free health check-ups against your policy, and how can you benefit from it.
Why do you need HDFC ERGO Free Health Check-Up?
To stay aware of any upcoming illness or ailment, it's necessary to keep track of the internal changes your body is going through. The best way of keeping track of your overall health is by going through a full-body medical examination.
Other than this, here are some additional benefits of getting a free health check-up under your HDFC ERGO health insurance policy:
Detection of potential disease
HDFC ERGO health insurance free health check-up promotes the recognition of any disease even before it impacts you. Hence, minimizing the risk of an upcoming severity.
Helps stay healthy for a long time
Going through an annual or regular health check-up inspires you to maintain a healthy lifestyle, work out regularly, eat healthy, and reduce/quit unhealthy habits.
Motivates to avoid stressing out
If you have a health insurance plan that offers you preventive annual health check-up coverage at no additional cost, it saves you from stressing out about future health complications.
Saves more on diagnostics
Full body medical examinations can cost you a hefty amount, and sometimes it's not easily affordable for everyone. In such scenarios, a health insurance policy with free annual health check-ups can cover you all year round.
List of Free Health Check-ups under HDFC ERGO Health Insurance
Free medical check-ups are subject to the annual health check-up coverage in your policy schedule. However, here's a generic list of the free medical diagnostics under the HDFC ERGO health insurance policy:
Urine Analysis
Blood Pressure Test
Blood Sugar Test
Liver Function Test
Lipid Profile
Kidney function test
Lung function test
ECG Test
Tests for Vitamin Deficiencies
Pap smear (for women, recommended once a year)
How Can You Apply for HDFC ERGO Free Health Check-Up?
The policyholder is eligible to get a full body check-up annually or as many times during a policy year as mentioned in the policy schedule. HDFC ERGO Health Insurance free health check-up is applicable along with several of their popular health plans.
You can receive an annual free health check-up on a cashless settlement basis (in a networking hospital) or on a reimbursement basis depending on the plan you are buying.
Note:- The criteria for annual health check-ups vary from policy to policy. If your base policy does not cover annual health check-ups, you will not be able to receive any such facility with the same.
HDFC ERGO Health Insurance Plans with Coverage for Free Health Check Up
Below are some of the plan under HDFC ERGO Health Insurance that provides free annual or preventive health check-ups:
A flexible and comprehensive health plan, securing your today & tomorrow. With 'Reserve Benefit' features, this plan grows unused policy amount @6% interest rate.*
Women-oriented health plan providing comprehensive medical insurance with major illnesses cover, and cancer cover all under a single plan but different variants.
Offers 360 degrees protection to you and your family with multiple SI options of 3 to 75 Lakhs. Comes with EMI and lifelong entry option.
Unique Features
Fitness discounts during renewal
Room rent capping and co-pay
Loyalty discounts
my:health Suraksha (Pros)
Renewal Benefit
Wellness Benefit
Premium Payment Options
Reduced Premium Benefit
1,2,3 Years policy Period Option
my:health Suraksha (Cons)
No Return Transportation Cost
Suicidal Injuries
No Non-Allopathic treatment
Adventure Sports Injuries
Alcoholism
my:health Suraksha (Other Benefits)
Pregnancy Complications Covered
Newborn Complications Covered
Loss of Job Covered
Post Diagnosis Support
41 Critical Illness Covered
my:health Suraksha (Eligibility Criteria)
Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 3 L to 75 L
Waiting Period - 30 Days
To know more, go to the website of HDFC ERGO Health Insurance. You can also reach out to their customer care at 022 6234 6234/+91 0120-6740895 or email at care@hdfcergo.com.
If you still need help, reach out to the customer care of PolicyX.com. Or you can directly contact our expert insurance advisors at PolicyX.com or call 1800-4200-269.
1. Does Hdfc Ergo health insurance cover full body checkup?
It depends on the type of policy you are opting for. However, most of the Hdfc Ergo health plans provide common health check ups (such as blood sugar, urine, lipid and thyroid profile, etc) for free.
2. Can the result of my health check-up affect my HDFC ERGO policy's premium?
No. Your medical reports related to annual or preventive health check-ups cannot affect your premiums (unless you have a pre-existing disease). Your policy's premium stays as same as it's quoted at the time of policy issuance.
3. What should I consider before buying a health insurance policy for free health check-ups?
Things to consider while buying a health insurance policy for complementary health check-ups are:
Frequency of health checkups in a policy year
No claim health check-up clause (voluntary)
Cashless check-up facility at networking/service-providing centres
Physical and medical check-up coverage
Annual health check-ups are based on the limit of the sum insured
4. Is annual health check-up covered by HDFC ERGO health insurance?
There are multiple health plans under HDFC ERGO which provide annual or preventive health check-ups, some of them are:
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Bhopal
March 15, 2024
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Coimbatore
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Simran has an experience of 3 years in insurance content writing. She transitioned from hospitality to the insurance industry after her emerging interest in how vast insurance is. With her ability to write complex insurance concepts in a simple, relatable manner she keeps her audience hooked and solves their doubts smoothly.
