Let’s admit that we all have a busy and stressful schedule today that is affecting us all with several lifestyle & chronic diseases like heart disease, diabetes, Kidney disease, cancer, etc. Several times we just fail to notice any symptoms of such kinds of health diseases because we usually don’t go for a preventive regular medical check-up.
Irrespective of how healthy a person seems, everybody requires a health checkup at regular intervals. In fact, many industry experts advised that it is imperative to go for a full-body medical check-up at least once a year in order to keep track of your health. These medical check-ups basically help in detecting any possible ailments you’re at risk for and timely treatment of ailments you might experience in the future.
Well, if you have opted for an apt medical insurance UAE then you can avail free medical-checkup. Yes, you read that right. There are many health insurance plans in the UAE that do not only cover the medical cost against health diseases but also provide the facility of free medical check-ups. Such type of health insurance Dubai enables the insured to avail free medical-check-up once every 2 or 4 years depending on the medical policy that is bought.
Despite having this benefit, only some insured avail it. Many people don’t know how to avail this facility. Whereas some people feel that their medical reports might increase premium rates, which is not at all true.
It’s high time to break the MYTH.
Myths about Annual Medical Check-Up
There are many people out there who have this misconception that if there is any health disease found during a free medical check-up, it may escalate the premium rates. Well, this is the biggest MYTH.
Once you have been issued medical insurance policy, the insurance premium will not increase on the basis of your medical report. Companies who offer health insurance Dubai and all other emirates only consider pre-existing health diseases that you have at the time of buying a medical insurance policy. Thus, free medical health check-ups will have no impact on your insurance policy. They are utilized only for underwriting purposes if the insured wishes to increase the sum insured at the time of policy renewal in order to cover the medical cost.
How to Avail Free Health Check-Ups under Your Medical Cover?
In order to avail the free medical check-up facility, you need to call at the toll-free number of the company from which you have opted for medical insurance UAE or you can visit the nearby branch in order to schedule the medical check-up. Many health insurance companies also ask the policyholders to send an email for this request. In fact, some insurance providers have an online form on their official website through which the policyholder can apply for a complimentary medical check-up.
After receiving the request for a free medical check-up, the insurance company verifies all the details of the insured and reverts with an authorization letter. The insured needs to carry the authorization letter as well as their health card at the time of visiting the diagnostic center. Moreover, the insurer generally specifies the centers where the policyholders can get their health check-up done. A lot of health insurance companies enable the policyholders to go for a medical check-up in a lab of their choice and get reimbursement from the insurance provider.
Which Health Tests Are Included in The Medical Insurance UAE?
Generally, the health insurance companies in the UAE include the following medical tests:
- Blood Sugar Test
- Urine Test
- Blood Count Test
- Cholesterol Check-up
- Electrocardiogram (ECG)
- PPBS (postprandial/lunch blood sugar)
When Can You Avail The Free Medical Check-Up Facility?
Most of the companies that offer health insurance Dubai and all other emirates offer a complimentary medical check-up facility after a block of claim-free years that could differ between 2 to 5 years. That simply means if you have not made a medical claim for the specified number of years as mentioned in the medical insurance policy, then you’re eligible to avail a free medical check-up.
However, there are few health insurance companies that offer free medical check-ups to the insured every year, irrespective of the medical claim made in the previous years.
Summing It Up!
So now that you know how to avail a free medical check-up facility and you know that there will be no impact of a medical checkup on your insurance premium, there is probably no single reason left for you to not go for a medical checkup. Not only the company that offers medical insurance UAE bears the cost of medical test, but also it helps you to keep track of your health. Just go for it. After all, HEALTH IS WEALTH.