July 22, 2021

We all opt for health insurance policies, as it offers cover against skyrocketing medical treatments. The policyholders also receive reimbursement for pre-hospitalization and post-hospitalization period along with inpatient hospitalization. The expenses under inpatient hospitalization usually include doctor’s fee, medicine bills, room charges, boarding, nursing expenses, ICU charge, etc. Apart from these basic benefits, you can also receive the advantage of free health check-up as a part of your health insurance plan. In spite of this benefit, only few policyholders use this facility. A lot of individuals are not aware of the feature, may be because insurers don’t advertise it much. Some individuals also feel that test reports might increase premium rates, which is not true.

When can You Avail This Benefit?

Usually, the insurers offer free health check-up facility after a certain period of claims-free years. For most of the insurers, this block of claims-free year range from two to five years. This means if you haven’t made a claim for specified number of years as mentioned in your health policy, you can enjoy a free health check-up. The health insurance companies that offer free health check-up benefit through a block of four claim free years include Bajaj Allianz General Insurance, HDFC ERGO, SBI General, etc.

Insurer-specific free health check-up

Though it is a norm to offer free health check-up after a block of four claim free years, a lot of insurers offer policies with some unique health check-up benefits.

Royal Sundaram : The customers enjoy free annual health check-up with Royal Sundaram under Lifeline Supreme and Lifeline Elite. The company offers free annual check-up every two years under its Lifeline Classic Plan, which has a sum insured between two to four lakhs.

ICICI Lombard : Under ICICI Lombard Health Insurance policy, ICICI Lombard offers free annual health check-up at centers designated by the company. Under its floater policies, the policyholder receives a maximum of two coupons every year.

Star Health Insurance: Unlike other policies, Star Health Insurance offers health check-up for every block of three claim free years. The policy also covers second medical opinion and air ambulance assistance.

Care Health Insurance: Every policyholder receives free health check-up regardless of plan selected. The plans from Care Health Insurance include Super Saver (2, 3, 4 lacs), Elite (5, 7, 10 lacs), Elite Plus (15, 20, 25, 30, 40 lacs). The values in the brackets are sum assured of the respective plan.

How To Apply For Free Health Check-Up?

The policyholder needs to call toll free number of the insurance company or visit the insurer’s office to avail the facility. A lot of companies also ask the individuals to send an email for this request. Health insurance companies, like Baja Allianz, have an online form on its portal through which the insured individuals can apply for free medical check-up benefit.

After receiving the request, the insurer verifies the details and reverts back with an authorization letter. The policyholder needs to carry the letter, along with their health card, while visiting the diagnostic center. The companies usually specify the centers where the customers can get their check-up done.

A lot of insurers also allow the customers to go for a check-up in a lab of their choice and receive reimbursement from the insurance company.

Which Health Tests Are Included In The Policies?

Usually, the insurers offer following medical examinations free of cost:

  • Blood sugar test
  • Blood count test
  • Urine test
  • Electrocardiogram (ECG)
  • Complete blood count test
  • Cholesterol checkup

Some companies, like ICICI Lombard, also include routine medical examination in their policy.


The list of medical checkups might vary from insurer to insurer. While choosing the health insurance plans, it can also be a vital factor to shortlist best policies. If the premium is in your budget, opt for the companies offering health checkup on an annual basis. You can compare premium, sum assured, inclusions, exclusions and other benefits of all leading health insurance service providers through our portal.

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