If you have a health insurance policy, you are entitled for a complete free health check-up once every four years. This facility is provided to those who do not raise any claims during the period of four years. But there are health Insurance companies who are offering this facility every year.Most policy holders do not avail the facility of free health check-up. There are myriad reasons behind this.

Some people do not even know about this option and there is no chance that they go for a health check-up. At the same time, there are people who know about such options but do not go for them.

The reason is apparent – they fear that by undergoing a health check-up, the health insurance company may come to know about some health disorder and that can be a reason to increase health insurance premium. But actually there is nothing like that. Health insurance companies clearly specify that they do not increase the amount of premium if a policy holder is found with a new health related disorder in his check-up report.

According to health insurance companies, health check-ups can rather help a policy holder to know about his health and well being, and in the process, he can also avail of additional riders that may be necessary for covering any modalities in the future.

How to avail free health check-up?

It is very easy to avail the facility of complete free health check-up. All you need to do is to call up the customer care centre of your health insurance company and let them about your plans.

Most of the times, customer care executives are able to provide you all the related details. If not, you can expect a call-back from the insurance company.Once the health insurance company acknowledges and accepts you request, you are provided the complete schedule with details of health center, location, date and timings.You are also given an authorization letter by the health insurance company. Generally, this letter is send via email. At the other end, the health care center is also given prior intimation about your visit. Thus, when you visit the health center, they already have your details in place.

What is reimbursement procedure?

If you follow the due process, then you can expect a cashless health check-up. By going through the health insurance company's plans, it is ensured that you go to an empaneled health center, and therefore, the entire check-up is cashless.The bill is settled by the health insurance company as per the per-determined rates. A policy holder does not even have to look into this matter.

What all is covered under the check-up?

The health check-up essentially covers blood pressure check, chest x-ray, lipid profile, blood and urine tests. A policy holder can also get the other tests done at additional costs. The best part is that you could get better rates as most times health insurance companies have tie-ups with diagnostic centers.