Term
Free Health Check-up
A free health check-up is a preventive medical check-up your insurer pays for, usually once a policy year, at no extra cost to you.
What it means
Many plans include a yearly check-up covering basics like blood tests, blood pressure and a general physician review. Some offer it every year regardless of claims; others unlock it only after a claim-free year or tie the value to your sum insured. It is a benefit you get whether or not you ever make a claim.
Why it matters
- Catching a problem early is cheaper and easier to treat than finding it late.
- A recent check-up gives the insurer a clear health record, which can smooth future claims.
- It is a benefit you have already paid for through your premium, so leaving it unused is money wasted.
Practical tips
- Check whether the check-up is offered every year or only after a claim-free year.
- See if it is cashless at network centres or works on reimbursement.
- Note any cap on the check-up value and which tests are included.