9 Major Preventive Health Check up Benefits You Should Know

Preventive health check ups are an effective way to improve your life expectancy without added financial burden [1]. Going for timely preventive health check-ups can help detect potential health issues before they become critical in nature and require expensive treatments. Read on to know more about how a regular preventive health check-up is beneficial for you.

List of conditions that you can avoid with preventive health check-up 

The 5 main risks you can avoid with regular health check-ups include: 

• Cardiovascular problems – These are the disorders related to your blood vessels and heart. These types of diseases are one of the leading causes of deaths around the world.  
• Diabetes – This disease affects your sugar levels, also known as glucose levels. Glucose is essential to your health as it transforms into energy for your cells and tissues in addition to providing fuel for your brain. There are various types of diabetes, and they do not always have visible symptoms.  
• Cancer – This disease is caused by an uncontrolled and abnormal growth of cells in human body. Cancer usually occurs when the genetic material of a cell changes. There are many types of cancers that can appear in different organs. Detecting them at an early stage with a health check-up provides more time for treatment.  
• Anemia – This problem occurs due to lack of iron in your body, which causes hinderance in the production of hemoglobin. As a result, blood fails to transport enough oxygen to the body. There are several causes that lead to anemia. Identifying anemia earlier can help prevent conditions from worsening. 
• Hearing or vision problems – Such disorders require immediate detection. If left undetected, they could worsen and become harder to treat. A preventive health check-up can ensure timely diagnosis.

Additional Read: Cardiac Risk Markers Test

Benefits and importance of preventive health check-up  

With preventive health check-up packages, you can enjoy the following benefits. 

• Awareness about your own health conditions 
• Assessment of any sickness or probable sickness in the future 
• Early detection of any health condition, even potentially life-threatening ones 
• Chances of getting early treatment, which can lead to complete cure 
• Prevention of further complications from pre-existing conditions  
• Improvement in quality of life by tweaking lifestyle and changing food habits  
• Minimal healthcare cost as it helps you avoid costly emergency treatments 
• Staying up to date with the latest medical advancements in technology, treatment measures for diseases, and other health-related information

Tax Deduction for preventive health check-up packages under Section 80D  

You can get a tax exemption when you purchase a preventive health check-up package too. Under section 80D of Income Tax Act 1961, you can claim a deduction of Rs.5,000 against the expenses you incur for a health check-up. This applies to both you and your family. If your parents are above the age of 60, you are allowed to claim up to Rs.50,000. And unlike premium payment, you can claim deduction for preventive health check-up expenses even if you pay in cash.

Keep in mind that the deduction of Rs.5,000 is not an additional discount but is included in the overall deduction of Rs.25,000 and Rs.50,000 for health policies. Here’s an example to help you understand this better. Say you pay a health insurance premium of Rs.23,000. Here, you can avail a health check-up deduction benefit for only Rs.2,000 even if you have spent more than that. The same goes towards the deduction of Rs.50,000. If the total of your premium and preventive health check-up cost does not exceed Rs. 50,000, you can claim the full amount.

Additional read: Lab Test Discount

Preventive health check-ups are integral in reinforcing proper lifestyle changes and motivating yourself and your loved ones. They are an early detection tool that helps keep you updated with the changes that your body undergoes, along with making you eligible for tax benefits. With Bajaj Finserv Health’s Aarogya Care plans, you can get health check-ups from the top medical practitioners. You can also get lab test discounts with the digital health card available on the platform. To invest wisely, choose from the Complete Health Solution policies under our health protect plans, and enjoy all-inclusive coverage!