Preventive care is an essential aspect of every health insurance to get complimentary preventive health check-ups and other health benefits. Recently, parents health insurance should include preventive care, as it will enable the early detection of any critical condition.
Read this article to learn more about why you should choose the best health insurance for parents with a preventive care option.
Why Preventive Care is Essential for Parents?
These are some of the reasons why preventive care is essential under any of the best health insurance for parents:
Table of Contents
1. Early Detection of Diseases
Preventive screenings, such as blood pressure, cholesterol, and cancer tests, can identify issues like heart disease, diabetes, or osteoporosis before they turn into complications. Early detection leads to more effective and less invasive treatment.
2. Chronic Disease Management
Coverage for regular monitoring helps manage long-term conditions like diabetes or hypertension, which become more relevant with age. Effective management can slow the progression of these diseases and prevent severe complications.
3. Longer Active Life
It helps in managing health proactively, so that parents can maintain their functional independence and stay active for longer. This significantly improves their quality of life in their golden years.
4. Counselling and Wellness
Many preventive care benefits include counselling for diet, exercise, smoking cessation, and stress management. These are some of the critical factors for senior citizens, especially parents.
5. Avoids Costly Treatments
Treating advanced chronic diseases is far more expensive than managing them in their early stages. Preventive care minimised the need for costly surgeries, hospitalisations, or prolonged treatments.
6. Protects Retirement Savings
Unexpected medical crises can deplete a lifetime of savings. Preventive care covers preventive costs, safeguarding your parents’ financial stability and independence in retirement.
7. Utilises Cashless and No-Claim Bonuses
Some medical insurance for parents offers rewards for staying healthy within the policy tenure. A no-claim bonus can increase the sum insured on renewal, providing an even larger safety net without additional costs.
8. Vaccinations
Provides coverage for annual flu, pneumonia, and shingles vaccines, which help in protecting weakened immune systems from serious illnesses. It is an essential aspect for parents to include preventive care under the required policy.
9. Teleconsultations and Home Care
Value-added services like remote consultations and home healthcare can improve access to medical advice. These are helpful, especially for elderly individuals who face difficulties in visiting the doctor’s clinic or hospitals.
10. Critical Illness Support
Many plans offer add-ons for critical illness coverage, providing a lump sum for high-cost treatments—another hallmark of offerings from the Best Health insurance company in India.
How to Avail Preventive Healthcare Benefits under the Best Health Insurance for Parents?
Follow these steps to avail preventive healthcare benefits under your chosen best health insurance plan for parents:
1. Understand Your Policy’s Benefits
You first need to understand the specific terms and conditions of your health insurance plan regarding preventive care. Follow these steps:
- Confirm Coverage: Read your policy brochure or contact your insurer’s customer support to confirm if preventive check-ups are included. Not all plans, especially budget policies, offer this benefit.
- Note the Frequency: Determine how often you can get a free or discounted health check-up. Some policies offer this annually, while others may require a claim-free period of two or more years.
- Identify Covered Services: Check the list of specific tests and screenings included in the package. Standard offerings typically cover blood sugar, lipid profile, and blood pressure checks. However, more comprehensive tests vary from insurer to insurer.
- Check Network Restrictions: See if you need to visit a specific network of hospitals or diagnostic centres to receive the benefit for free.
2. Schedule Your Appointment
Once you know the specifics of your coverage, you can proceed with booking your check-up. After that, schedule your appointment by following these steps:
- Contact Your Insurer: Notify your health insurance provider that you wish to avail your preventive health check-up benefit. You can communicate with them through their helpline number, app, or official website.
- Receive Confirmation: The insurer will process your request and may send you an authorisation letter via email or SMS. You may be able to book the appointment at a time and date convenient for you.
- Check for Home Collection: Some insurance companies offer a home collection, where an individual comes to your home to collect samples for pathological tests.
3. Avail the Check Up and Follow Up
The final step involves attending your appointment and managing the payment:
- Cashless Check-up: Visit the designated network diagnostic centre or hospital with your authorisation letter and health card. Then the centre or hospital will conduct the test and will directly settle the bill.
- Reimbursement Claim: If you choose a non-network facility, you must pay for the check-up upfront. After the test, collect all the bills and file for a reimbursement claim.
- Receive the Reports: They will update your report in your online profile or will send it to you via email for easy access.
Final Words
The inclusion of preventive care in any of the best health insurance for parents is not merely a feature, but a fundamental aspect of comprehensive, compassionate coverage. It shifts focus from reactive, crisis-driven treatment to proactive, long-term wellness management, addressing the unique health needs of older adults.
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