The world that we live in today, is one that is convenient, offering technology at the tip of our fingertips. What we could previously achieve in a day's time, we now are able to complete in a matter of a few seconds.
Along with seeing advances in technology and science, the modern man also faces a constant threat, in the form of rising number of fatal diseases and conditions.
This could be attributed to changing weather conditions, pollution, over-populated cities and much more. Individuals should always be aware and prepared to face any type of health issue or condition, living in this day and age.
As the old adage goes, "Prevention is better than cure", individuals should take necessary steps to stay healthy and also keep diseases in check. This can be done by constantly monitoring their health through scheduled check-ups at hospitals. Insurers and healthcare providers across the country offer various plans in the form of "preventive health check-up packages" for individuals looking to undergo regular check-ups with regards to their health. help customers to identify probable diseases and take the required precaution. Such plans are important for critical illnesses, as these can be detected early and the necessary medication can be given.
Additionally, these preventive health check-ups also take the family history of a patient into consideration and assess the risk of developing diseases based on those factors. Individuals can modify their lifestyles based on the results of a preventive health check-up, improving their quality of life leading to a much healthier one.
In India, insurers offer various types of preventive healthcare packages, depending on the type of the patient.
The following companies offer various types of preventive care health insurance plans in India.
Generally, preventive plans would include tests for pressure monitoring, blood tests, cholesterol levels, diabetes tests, pap smear, cancer screening, genetic testing, HIV tests, etc. Every package will be customised according to the type of customer undergoing the test.
Under Section 80D, customers can get tax exemptions when they avail a preventive health check-up plan. When a preventive health plan is taken, customers can get tax waivers of up to Rs. 5000. This would be included in an overall deduction of Rs. 15,000 for payment of premium towards health insurance plan for the policyholder and his/her family.
GST rate of 18% applicable for all financial services effective July 1, 2017.
Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.
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