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AAROGYA CARE

Quick Guide to Preventive Health Plans: How are they Important for Your Health?

A preventive health plan helps in early diagnosis of diseases

Lab test discounts are one feature of a preventive health plan

You can also avail tax benefits when you invest in these plans

B
Bajaj Finserv Health
January 7th, 2022
7 mins read

We are living in a technology-driven era. All it takes is a click of a button to get our work done. With advancements in technology and science, there is also a constant threat of diseases and infections increasing day by day. For instance, you may be surprised to know that approximately 39 million children less than 5 years of age were affected by obesity in the year 2020 globally [1]. This condition is preventable. By diagnosing underlying factors, it is easier to manage obesity. Whether it is due to changing environmental conditions or lifestyles, being prepared is your best bet. One of the most important things you need to do is to take preventive measures so that you can lower your risks of diseases and stay healthy. Purchasing preventive health plans is a proactive measure that can help you greatly. While availing a health insurance plan can help you manage unexpected or planned medical needs, preventive health plans ensure to keep you safe from diseases by encouraging you to get an early diagnosis. 

To know more about the beneficial features of a preventive health plan, read on.

Additional read: 7 Important Health Insurance Parameters to Select the Right Plan for Yourself

What is a preventive health plan?

It is a known fact that prevention is better than cure. Hence, it is important that you follow specific measures to lead a healthy and active life. You may do this by ensuring that you monitor your health regularly through proper checkups at a hospital or lab. To encourage people like you to keep healthy, insurance providers offer different types of preventive health packages. These plans help you undergo regular health checkups so that you can identify any health risks at an early stage. 

Diagnosing health ailments early helps you identify probable risks and make the required changes or get treated. These packages can prove beneficial especially if you are suffering from a critical illness. Before you undergo preventive health checkups, certain factors like age, family history, and the risks of acquiring a disease are taken into consideration. 

These are a few important features of preventive health plans that can provide you with umpteen benefits:

  • Reimbursement of doctor consultation expenses with a doctor of your choice
  • Free regular health checkups throughout the year
  • Dental service benefits
  • Pharmacy concessions
  • Huge discounts on lab and radiology tests

What are the different preventive health plan packages you can avail?

Depending on your requirements, you can choose different types of packages as mentioned below.

Regular plans allow you to approach your doctor for normal health checkups so that you can protect yourself from the risk of health ailments. 

If you avail a family plan, the family members included in the plan can enjoy the benefits of the package irrespective of gender or age. These family packages have been specifically designed for the entire family to provide coverage for:

  • Dietary consultations
  • Full body checkups
  • Consultations with renowned specialists
  • Dental checkups

In a child plan, you can take the package on behalf of your child between the age group of 0 and 13 years. This plan includes regular visits to the pediatrician and services of dental and ENT doctors. 

Apart from these basic packages, you may also find specialized packages such as the following:

  • Diabetes package
  • Cardiac care plans
  • Fertility checkup package
  • Cancer packages
  • Dental packages

Consider cardiac care packages for instance. These are customized to identify the risks of cardiovascular diseases and strokes. They consider your lifestyle patterns and suggest required treatment options to modify your routine for the better. 

Another example is cancer – a condition that poses a big threat. As part of the cancer package, you can get a number of screenings that help in detecting the condition early. Availing this package may also help you identify the risks associated of acquiring cancer in the future.

By availing a dental package, your regular teeth and gum checkup expenses are taken care of. In case of fertility checkup plans, all required tests vital for assessing your fertility are included. These plans also include consultations with gynecologists. 

Additional read: How are Bajaj Finserv Health’s Aarogya Care Health Insurance Plans beneficial?

preventive health plan and health insurance

Are you eligible for tax exemptions on a preventive care package?

Yes, you are eligible for tax benefits when you purchase a preventive health plan, according to the Section 80D of Income Tax Act. You can claim up to Rs.5000 if you are availing this policy [2]. 

What types of tests are included in a preventive health plan?

Some of the tests most commonly included in preventive health packages include:

  • Genetic testing
  • Screening for cancer
  • Tests for diabetes
  • Blood tests
  • Pap smear tests
  • HIV tests
  • Tests for checking cholesterol and blood pressure

Based on your individual requirements, your package will include specific diagnostic tests.

Purchasing these plans helps you improve the quality of your life. This way you can lead a healthy life as proper diagnosis at the right time helps in early identification of illness, if any. So, avail a plan that best suits your requirements. For budget-friendly options, do check out Aarogya Care Complete Health Solution plans on Bajaj Finserv Health. 

It comes with umpteen features like insurance coverage of Rs.10 lakh, huge network discounts and reimbursements on doctor consultations and lab tests. The preventive health checkup feature enables you to undergo around 45+ lab tests for free annually. These tests help you diagnose health risks. With no prior medical tests required, you can avail these plans in under 2 minutes. So, be proactive and march towards a healthy life!

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