Preventive Health Check-Up

Modern lifestyle has become so inundated with unhealthy habits and sedentary routines that preventing diseases is now an absolute challenge. That’s why doctors are increasingly recommending regular Preventive Health Checkups to have the best chance at the early detection of diseases and avoiding complications.

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 minimize such risk at an early stage.

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 Checkup is undoubtedly the key to live a healthier life.

There are numerous benefits of buying Preventive Health Checkups packages. Therefore, to buy a comprehensive Preventive Health Checkup package you need to be aware of its important features, some of these features are listed below:

Ideally, a person of 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 Checkup can help a person screen these diseases in a timely fashion. 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 Health Checkup is the surveillance for 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.

The following tests are usually performed under Preventive Health Check-up:

The appropriate tests for the various age groups are presented in this section.

Infants:

Children:

Adolescents:

20-30 years:

30-40 years:

Above 40 years:

Above 60 years:

Note: These are general guidelines, and individual health needs may vary. Always consult with a healthcare professional to determine what health checks are appropriate for your age and medical history.

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 above 60 years old, the maximum available deduction is up to Rs.1 lakh.

Opting for a Preventive Health Check-Up 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:

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:

Preventive 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 benefits of Preventive Health Checkup in terms of a person's health, while things like tax benefit can make it to the list of added advantages. Thus, one should opt for Preventive Health Checkup to strengthen their health insurance portfolio.

Also, read: Health Insurance Plan for Women