With rising healthcare costs, having a comprehensive health insurance policy for family can be a game-changer. Medical insurance plans often include annual or bi-annual check-ups that not only ensure you’re aware of your health status but also offer early detection of various conditions. Many of these tests are fully covered or available at reduced prices through insurance plans offered by the best health insurance companies in India. Here, we explore the most common medical tests included in health insurance check-ups, their significance, and the typical price range.
1. Complete Blood Count (CBC)
A Complete Blood Count (CBC) test is fundamental in detecting various disorders, from anaemia to infections and even some types of cancer. It measures different components present in your blood, such as haemoglobin levels and red and white blood cells.
Price Range: ₹300 – ₹600
Why It’s Important: Many health conditions begin with changes in blood count. A CBC test helps identify abnormalities early, enabling timely treatment.
2. Lipid Profile
Commonly known as a lipid panel, a lipid profile test assesses the cholesterol (total cholesterol, HDL-cholesterol, and LDL-cholesterol) and triglycerides levels in your blood. This test is essential for evaluating heart health and identifying risks associated with high cholesterol levels.
Price Range: ₹500 – ₹800
Why It’s Important: High cholesterol is a significant risk factor for cardiovascular diseases. Early detection through medical insurance plans can help take preventive measures like dietary adjustments or medication.
3. Blood Sugar Test (Fasting and Postprandial)
Regular monitoring of blood sugar levels is vital for the early detection of diabetes. The fasting blood sugar test measures glucose levels after a period of fasting, while the postprandial test measures it after meals.
Price Range: ₹200 – ₹400
Why It’s Important: Diabetes is increasingly common in India, making blood sugar testing a critical part of routine health check-ups in any health insurance policy.
4. Liver Function Test (LFT)
Liver function tests, also known as hepatic panel) assess enzymes and proteins in the blood to determine liver health. It can detect liver diseases, hepatitis, or fatty liver conditions often linked with lifestyle.
Price Range: ₹500 – ₹1,000
Why It’s Important: Given India’s rising incidence of liver disease, routine LFTs offered through the best health insurance companies provide essential insights into your liver’s health.
5. Kidney Function Test (KFT)
A Kidney Function Test (KFT) includes measuring blood urea, serum creatinine, and other markers that indicate kidney health. Early detection of kidney problems can prevent serious health issues later.
Price Range: ₹400 – ₹800
Why It’s Important: Kidneys play a crucial role in filtering waste from the body. A KFT can help detect irregularities early, especially for those at risk of renal issues.
6. Electrocardiogram (ECG)
The most common test for assessing heart health is an ECG, which records the electrical activity of the heart to detect irregularities. It’s commonly included in health insurance check-ups, particularly for individuals above 40.
Price Range: ₹300 – ₹600
Why It’s Important: Heart disease is a leading cause of death in India, and an ECG helps in identifying potential heart issues early. Regular check-ups through a medical insurance plan can lead to life-saving interventions.
7. Thyroid Function Test (TFT)
The Thyroid Function Test assesses levels of T3, T4, and TSH hormones. Thyroid disorders, especially hypothyroidism, are common in India.
Price Range: ₹400 – ₹800
Why It’s Important: Thyroid hormones regulate metabolism, energy, and even mood. Detecting imbalances early can improve quality of life, making this test a valuable addition to routine health checks.
8. Urine Analysis
A urine analysis checks for infections, kidney issues, and other conditions. It examines factors like pH, protein levels, and sugar.
Price Range: ₹100 – ₹300
Why It’s Important: This simple test can uncover early signs of various health problems, making it a standard part of health check-ups under most health insurance policies.
9. Chest X-Ray
A chest X-ray helps detect respiratory issues, infections, and even some cancers. It’s often included in health insurance check-ups, especially for smokers and those with a history of respiratory issues.
Price Range: ₹300 – ₹600
Why It’s Important: This test helps in the early diagnosis of lung-related issues, crucial for those with high exposure to pollution and respiratory infections.
Routine check-ups are essential for early detection and prevention, and finding a health insurance policy that includes these tests can save significant medical expenses in the long run. The best health insurance companies in India often include such tests in their policies, ensuring comprehensive coverage that prioritises preventive care.
Summing Up
When selecting a medical insurance plan, consider policies that cover a variety of tests, offering you a complete health evaluation without extra costs. Many insurance providers in India now understand the value of preventive care and include these routine check-ups, making it simpler to manage your health.
Niva Bupa Health Insurance offers an impressive array of options, making it one of India’s best choices for health insurance coverage. With flexible plans designed to cater to various needs and budgets, Niva Bupa allows policyholders to customise their coverage. Their affordable premium options and high sum insured limits make health insurance accessible and valuable. Niva Bupa’s commitment to hassle-free claims and extensive medical network makes them a standout option for individuals and families alike. Discover Niva Bupa’s plans and enjoy the peace of mind that comes with reliable insurance. Investing in a health insurance policy with the best health insurance company that offers preventive check-ups isn’t just about saving costs but about taking proactive steps towards a healthier life.
