Research shows that preventive checkups are an effective means of reducing the financial burden of healthcare by detecting potential health issues before they become critical and require expensive treatments. Therefore, Preventive health examination is undoubtedly the key to live a healthier life. In this article, we will deep dive into how preventive health check-ups provide benefits and tax deductions.
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Health is defined as a state of physical, mental and social well-being, which can be achieved through a balanced diet, physical exercise and adequate sleep and recreation. However, even after taking all the necessary steps, our health is still at risk of falling prey to diseases unexpectedly. A Preventive Health Checkup is, therefore, aimed to recognize and minimise such risk at an early stage.
This plan provides broad coverage at affordable prices. You can choose a sum insured of Rs. 10 Lakhs, Rs. 25 Lakhs, Rs. 50 Lakhs, or Rs. 1 Crore.
This plan offers complete coverage with a high sum insured. It includes benefits like no deductions on claims and no waiting period, making it a great option for getting the most out of your health insurance.
This plan is ideal for adding extra coverage to your existing health insurance or saving on medical expenses. After a certain deductible, you’ll enjoy benefits like no waiting period and a high sum insured.
Preventive Health Checkup packages offer numerous benefits, making them a valuable investment in maintaining overall well-being. To choose the right comprehensive Preventive Health Checkup package, it's essential to understand its key features. Here are some important features to consider.
Ideally, a person at age 30 and beyond should opt for Preventive Medical Check-up. It is used to screen and detect an umbrella of lifestyle diseases, of which the most important ones are:
Increased stress and lack of time for physical exercise and healthful cooking are the major contributors to developing unhealthy habits. This leads to subsequent and gradual deterioration of our general health, and before we know it, lifestyle diseases come knocking at our door.
What’s worse is that some of these lifestyle diseases are ‘silent killers’- they harm our body without causing any symptoms. Therefore, Preventive Health Check-up can help a person timely screen these diseases. For example, retinopathy and foot ulcers are common complications of diabetes. With annual eye and foot examinations, you can prevent vision loss and lower-limb amputations. Similarly, it is crucial to control blood pressure and blood cholesterol to alleviate the risk of cardiovascular diseases.
Another important purpose of Preventive full health check-up is the surveillance of cancer. Many cancers are symptomless and not diagnosing them at an early stage can cost lives. Therefore, people at risk of developing cancer can have a better chance of recovery if they invest in regular health checkups.
There are various age-specific, gender-specific and disease-specific Preventive Healthcare Packages that you can choose from.
An entire family can enjoy the benefits of full-body check-ups, dietary, ophthalmic and dental consultations. Some hospitals also offer customised packages for men and women.
This package has been designed to identify the risk of heart attacks or strokes and other cardiovascular accidents and provide corrective consultations.
For early cancer screening and future risk assessment.
Healthcare plans for children up to thirteen years are available and include a range of Pediatric, Ophthalmic, Dental, and general check-ups.
Couples who are struggling to conceive can go for fertility check-ups and receive expert consultations.
Dental Packages outside the regular checkup plans are increasingly becoming popular in many hospitals and dental clinics.
Here are a few tests on the preventive health checkup list usually performed to detect diseases at their onset.
There are generally different preventive health checkups set for various age groups that are mentioned below:
| Age Group | Preventive Health Checkup |
| 0-10 years | Hearing test, temperature test, eye test. |
| Adolescence | LIPID profile test, High blood pressure test, cholesterol test, Chlamydia and Gonorrhoea test. |
| Adults (20 to 40) | Wight check, LIPID profile test, cholesterol check, BP check, Eye examination. |
| After 40 years | BP & Cholesterol testing, Cancer screening, Dental examination, Eye examination, Bone mineral density, Lung cancer screening. |
| After 60 years | Bone density test, Depression screening habits, and hearing test. |
You have a great opportunity of enjoying tax exemption of Rs. 5000 on Preventive Health Checkup under Section 80D of Income Tax Act, 1961 enacted by the Government of India.
Also, read: How To Claim Tax Benefits on Health Insurance Premiums?
Under Section 80D, you can claim an overall deduction of Rs. 25,000 on the expenses of Preventive Health Checkups either for yourself, your spouse or your dependent children. You can also claim an additional deduction of up to Rs. 25,000 for insurance of your parents, aged less than 60 years. If the parents are above 60 years, the amount allowed to be deducted is Rs, 50,000, (increased from Rs. 30,000 in Budget 2018). If both the taxpayer and his/her parents are above 60 years old, the maximum available deduction is up to Rs.1 lakh.
Opting for preventive health care services regularly allows you to stay ahead of a medical issue which can be in its early stages. In many unfortunate cases, the disease is not detected until it reaches a dangerous stage and treatment may not have the desired impact. This can be avoided with regular screening.
Here is a list of things you can consider while going in for a check-up:
Most of the investigations during the checkup require you to be on an empty stomach, preferably at least 10 hours of fasting
Wear comfortable and loose clothes for easy manoeuvre
For imaging tests such as CT, X-Ray and Bone Densitometry, avoid wearing accessories, or any metallic objects.
Inform your doctor of any pacemaker or denture beforehand
Be sure to commit to regular checkups with as much of healthy lifestyle modification as possible.
Preventive Health Checkups are extremely important in reinforcing healthy lifestyle changes and motivating yourself and your family members. With ACKO's health insurance, you will get an option to get a complete medical examination by a medical practitioner under Preventive Health Check-up.
The comprehensive expert guidance provided during a health checkup can go a long way in supporting your well-being at any age, along with giving you the chance to receive treatments at a more favourable stage.
The following tests are included in ACKO Health Insurance Preventive Check-up:
Fasting Blood Sugar (FBS)
Serum Gamma-Glutamyl Transferase (GGT)
Complete Blood Count (CBC)
Electrocardiogram (ECG)
Serum Total Cholesterol (T Chol)
Erythrocyte sedimentation rate (ESR)
Serum Creatinine
Serum Triglyceride (S. Trig)
The cost of preventive health checkup for lifestyle diseases, cardiac diseases, cancer etc. has been on the rise. It becomes a very heavy foot to bill, hence it is important to have coverage for these preventive screenings. Some insurance policies do offer coverage for preventive health checkups. Make sure to choose a policy that covers the cost of preventive checkup as well.
Preventive general health checkup is an early detection tool which helps you keep updated with the changes that your body undergoes as you age. While sometimes a person can show signs and symptoms of a disease, in most cases, they go undetected without regular check-ups. Early detection is one of the major preventive health checkup benefits in terms of a person's health, while things like tax benefits can make it to the list of added advantages. Thus, one should opt for a Preventive Health Checkup
Also, read: Health Insurance Plan for Women
Here are some answers to the most asked questions related to Preventive Health Check-Up.
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