Home Health Importance of Preventive Health Check Up In A Health Insurance Policy

Importance of Preventive Health Check Up In A Health Insurance Policy

It is not surprising that today, India ranks number one in terms of cardiovascular diseases, with 50 million of its citizens suffering from heart related issues. The National Health survey further reveals that our country ranks second in terms of obese citizens with the number at 155 million, which is increasing by 33-51% every year. A healthy population, however, serves the interests of the nation well. Therefore, the government of India, in collaboration with health insurance companies, are increasingly focused on spreading awareness about the importance of preventive health check-ups. Many of the insurers have included health check-ups into their health insurance plans. This initiative intends to:

Establish a health check discipline

Your body is a machine. It is essential to measure its vital statistics and performance regularly. It is the first step towards maintaining a healthy lifestyle. The tests should be undertaken even if you feel perfectly healthy.

For example, medical professionals recommend that you should undergo screening for hypertension or blood pressure at least once every year. It is ideal to have your cholesterol levels checked once every four to six years. Along with the tests, vaccination for various seasonal diseases like flu can be included in the schedule.

Detect lifestyle-related ailments

India is a developing economy, with over 50% of its GDP contributed by the services sector. You are likely to be in a 9-5 job with most of your office hours spent by sitting behind a computer. In the age of electronic media and entertainment, it is also possible that your pastime does not include physical activities like sports.

preventive health check-ups

A study by Mayo Clinic associates such a lifestyle with a wide range of cardiovascular conditions and cancer. It recommends 60-75 minutes of physical activity daily to counter them. With this, regular health check-ups can ensure that all your physiological parameters are within safe limits.

Manage genetic risks

According to a study by the American Heart Association, siblings with one parent with a history of heart attack are 48% more likely to have one. So even if you have a healthy lifestyle, a family history of ailments can expose you to significant health threats. In such a situation, a regular screening schedule can help to adopt preventive measures well ahead of time.

Prevention is better than cure

By fighting the disease at its infancy, you can avoid significant treatment costs and have a better prognosis. For a chronic and terminal illness like cancer, early detection through preventative health checks not only helps in adopting the best course of treatment but also improves your chances of survival and return to normalcy, significantly.

For example, chemotherapy for breast cancer can cost up to Rs. 20 lakh in India.

According to a study published in the New England Journal of Medicine, as many as 70% of the women with early stages of breast cancer can be spared chemotherapy. The disease can be easily detected in the early stages with annual Mammogram tests, costing Rs. 1,000-2,000 only.

Avail tax benefits

You are entitled to avail tax benefits for the money spent on preventive health check-ups under Section 80D of the Income Tax Act, 1961. You can avail tax deductions of up to Rs. 5,000, spent on preventive health check-ups for yourself and your family.

Thus, regular preventive health check-ups and availing the right health insurance policy are the essentials for a healthy life. Select from a wide variety of medical insurance policies offered by the insurers today. Pocket Insurance, a comprehensive range of health insurance solutions by Bajaj Finserv, provides coverage for various categories. It includes lifestyle, health, travel etc. These policies are designed to meet your everyday insurance requirements.

The policies in the health category offer a full spectrum of coverage against various medical contingencies. They range from Dengue to Tuberculosis. At the payment of a nominal premium, they offer coverage for accidental hospitalisation, loss of income, expenses for medical diagnosis etc. among other benefits.

Gerald Thomas
Gerald Thomas is a freelance writer, with years of experience, creating content for varied online portals. He has expertise in writing about lifestyle, food & many more.

LEAVE A REPLY

Please enter your comment!
Please enter your name here

Most Popular

Look for a VPN with Features for Multiple Device Support

The COVID-19 virus has forced the world to go into lockdown and stay quarantined in their homes for safety. Offices are now using remote...

What are disaster recovery services? How are they relevant in the COVID-19 age?

Disaster recovery services: The coronavirus or COVID-19 pandemic has emerged as one of the most critical global emergencies within a short span of time....

How To Learn Guitar From Home?

Learning guitar at home is not always tending to be a challenging process. If you are a music lover, you can definitely enjoy the...

Why Should You Be Mindful About Your House Painting?

Everyone has a different sort of house and which type of house do you have?  Certainly, you have those stunning foyers, living area and...

Recent Comments

you're currently offline

We use cookies in order to give you the best possible experience on our website. By continuing to use this site, you agree to our use of cookies.
Accept
Privacy Policy