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Top 4 Benefits of Regular Health Checkups | ManipalCigna

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Sep 14 2024

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It's easy to assume we're in good health and overlook the need for regular check-ups. However, true well-being starts with proactive care, not just reacting to illness. Whether you're juggling a busy job, studying hard, or enjoying your senior years, regular health check-ups are essential. They empower you to take control of your health, catch early warning signs, and make informed decisions that contribute to a longer, healthier life. 

Regular health checks are a proactive approach to maintaining your and your family’s well-being, allowing you to stop potential issues before they escalate. This blog will guide you through the benefits of regular health check-ups, highlighting how they can enhance your quality of life. You will clearly understand why regular check-ups are necessary for living a longer, healthier life. 

Who Needs Regular Health Checkups? 

The correct answer is – everyone. While everyone can benefit from regular health checkups, certain groups of people should prioritise them even more: 

1. Individuals over 30: With our stressful lives, erratic working hours, and overall environment, the risk of chronic conditions such as hypertension, diabetes, and cardiovascular diseases increases, making regular checkups crucial. 

2. Students: It is a misnomer that all children are healthy and do not need health care. Students need regular health checks during their developmental years to monitor their growth, nutrition, and mental health. 

3. Seniors Citizens: For older adults, frequent health checkups are vital for monitoring age-related issues and maintaining quality of life. 

4. Expectant Mothers: Health is a top priority for a new mother-to-be, as a baby’s good health depends on the mother’s well-being. Therefore, pregnant women need regular health check-ups, doctor visits, and more. 

Importance of Regular Health Check-Ups 

There are many benefits of regular health checkups. Let’s take a look at them: 

1. Early Detection of Health Issues 

Regular health check-ups allow early detection of diseases. If a potential chronic or life-threatening disease is caught earlier, it can lead to a more effective treatment plan and better outcomes. Also, seeing the health problem in its early stages prevents it from becoming severe and helps save money. 

2. Maintaining a Healthy Lifestyle 

Regular medical checkups offer you insights into your health. These insights can guide you to make better lifestyle choices and adjustments to lead a healthier life. So, whether you refine your diet, exercise more, or meditate to manage stress, regular checkups help you stay on track. 

3. Monitoring Pre-Existing Conditions 

If you have chronic health conditions like diabetes, thyroid, etc., regular checkups are essential in monitoring and managing symptoms, ensuring that your treatment plan remains adequate. 

4. Financial Benefits of Preventive Health Care 

Prevention is better than cure, and it is cost-effective too! Preventive care can help you save more money than treating a disease after it has developed. Regular health checkups can lead to savings by avoiding costly treatments and hospitalizations. 

Types of Health Check-Ups 

There are many types of health check-ups. These are tailored to meet your specific needs at different stages of life. From general physical exams to specialized screenings, these check-ups ensure comprehensive monitoring of your overall health. 

  • General Physical Exam: This type of health check-up includes a comprehensive physical examination like blood pressure measurement and basic blood tests. 
  • Specialised Check-Ups: These specialised health check-ups are focussed on specific health concerns, such as cardiovascular health, diabetes screening, and cancer detection. 
  • Student Health Check-Ups: These health check-ups are tailored to monitor students' growth, nutrition, and mental health. 
  • Senior Health Check-Ups: These health check-ups are like comprehensive exams that include tests for bone density, cardiovascular health, and cognitive function. 

Explore ManipalCigna Health Checkup Plans 

ManipalCigna Sarvah (Pratham, Uttam & Param Plan).

We provide a comprehensive Health Check-Up to all Insured Persons covered as adults (excluding dependent children in floater policy), as listed in the eligibility table below. Health Check-Ups are available irrespective of their claim status under the Policy and will be arranged by us at our Network Providers.

In the case of an individual policy covering more than one member, upon each member attaining 18 years of age, they become eligible for a health check-up with our Network Provider.

Health Check Up

Package

Sum Insured

Age group

List of tests – Cashless

Compulsory Tests

Optional Tests (Any one)

1

Rs. 5 Lacs

Up to 40 Years

CBC-ESR, FBS, Lipid Profile, Sr. Creatinine

B1 - Heart monitoring – ECG or

B2 - Liver screening - SGOT and SGPT

Above 40 years

CBC-ESR, FBS, Lipid Profile, Sr. Creatinine

B1 - Heart monitoring – ECG or

B2 - Liver screening - SGOT and SGPT or

B3 - Thyroid Screening - Thyroid profile

or

B4 - Diabetes screening - HbA1c

2

Rs. 7.5 Lacs, Rs. 10 Lacs,

Up to 40 Years

ECG, FBS, Lipid Profile, Sr. Creatinine, CBC-ESR, SGOT, SGPT, GGT, TSH, USG - Abdomen & pelvis

Above 40 years

ECG, FBS, Lipid Profile, Sr. Creatinine, CBC-ESR, SGOT, SGPT, GGT, TSH, HbA1c, USG Abdomen & Pelvis, PSA (for Males), Mammogram/ PAP Smear (for females)

3

> Rs. 10 Lacs

Upto 40 Years

FBS, Kidney Profile, ECG, CBC-ESR, Lipid Profile, Liver Profile, Thyroid Profile, 2D-Echo, USG Abdomen & Pelvis, Vitamin D3, Vitamin B12

Above 40 years

FBS, ECG, HbA1C, Kidney Profile, CBC-ESR, Lipid Profile, Liver Profile, Thyroid Profile, 2D-Echo, PSA (for Males)/ Mammogram/ PAP Smear (for females), USG Abdomen & Pelvis, Vitamin D3, Vitamin B12,

Full explanation of Tests is provided here:

FBS – Fasting Blood Sugar, ECG – Electrocardiogram, CBC-ESR – Complete Blood Count-Erythrocyte Sedimentation Rate, Sr. Creatinine – Serum Creatinine, HbA1c – Glycosylated Hemoglobin, SGOT – Serum Glutamate oxaloacetate transaminase, SGPT – Serum Glutamate Pyruvate Transaminase, GGT – Gamma Glutamyl Transferase, TMT – Tread Mill Test, PSA – Prostate Specific Antigen, USG – Ultrasound Sonography, TSH – Thyroid Stimulating Hormone, CBC – Complete Blood Count.

Note:

  1. This benefit is available once in a Policy Year, including the first Policy Year.
  2. All the tests must be conducted on the same date.
  3. Original copies of all reports will be provided to You.
  4. We shall cover health check-up on a cashless basis only.

This benefit will not be available during the free look period of the Policy

Choose the Right ManipalCigna Health Plan 

Before you select a ManipalCigna health plan that covers regular health check-ups, understand what it offers. Take a look at the table below: 

Attribute 

ManipalCigna Sarvah Pratham 

ManipalCigna Sarvah Uttam 

ManipalCigna Sarvah Param 

Sum Insured Options 

₹5L to ₹300L 

₹5L to ₹300L 

₹5L to ₹300L 

Plan’s Focus 

Comprehensive protection with a focus on essential coverage. Pratham stands out with its unique indemnity coverage for 4 critical condition Heart, Cancer, Stroke, and Major Organ/Bone Marrow Transplant plus Accident Hospitalization and range of other Optional Covers.

Tailored specifically for those new to health insurance and looking for affordability.

Comprehensive and Modular Protection

Tailored specifically for those new to health.

Comprehensive and Modular Health Protection With Zero Waiting Period.

Min/Max Age at Entry (Adult) 

Min 18 Years, Max 65 

Min 18 Years, No Limit 

Min 18 Years, No Limit 

Min/Max Age at Entry (Dependent Children) 

Min 91 Days, Max 30 Years (Floater) 

Min 91 Days, Max 30 Years (Floater) 

Min 91 Days, Max 30 Years (Floater) 

Policy Type 

Individual/Multi-Individual & Family Floater 

Individual/Multi-Individual & Family Floater 

Individual/Multi-Individual & Family Floater 

Policy Tenure 

1, 2 & 3 Years 

1, 2 & 3 Years 

1, 2 & 3 Years 

Renewability 

Lifelong 

Lifelong 

Lifelong 

Relationship Covered 

Individual / Multi Individual - Self/ Spouse/Live-in partner/ Children/ Father/ Mother/ Father-in-law/ Mother-in-law/ Son-in-law/ Daughter-in-law/ Grand-parents/ Grandchildren/ Uncle/ Aunt/ Nephew/ Niece/ Brother/ Sister/ Sister in-law/ Brother in-law

Floater - Self, legally married spouse or live-in partner, dependent Children (Natural / legally adopted), Parents/ Parents-in-law

Individual / Multi Individual - Self/ Spouse/Live-in partner/ Children/ Father/ Mother/ Father-in-law/ Mother-in-law/ Son-in-law/ Daughter-in-law/ Grand-parents/ Grandchildren/ Uncle/ Aunt/ Nephew/ Niece/ Brother/ Sister/ Sister in-law/ Brother in-law

Floater - Self, legally married spouse or live-in partner, dependent Children (Natural / legally adopted), Parents/ Parents-in-law

Individual / Multi Individual - Self/ Spouse/Live-in partner/ Children/ Father/ Mother/ Father-in-law/ Mother-in-law/ Son-in-law/ Daughter-in-law/ Grand-parents/ Grandchildren/ Uncle/ Aunt/ Nephew/ Niece/ Brother/ Sister/ Sister in-law/ Brother in-law

Floater - Self, legally married spouse or live-in partner, dependent Children (Natural / legally adopted), Parents/ Parents-in-law

Waiting Period 

PED – 36 Months, Initial – 30 Days 

PED – 36 Months, Specific – 24 Months, Initial – 30 Days 

No Waiting Period 

Premium Payment Mode 

Monthly/Quarterly/Half-yearly/Annual/Single 

Monthly/Quarterly/Half-yearly/Annual/Single 

Monthly/Quarterly/Half-yearly/Annual/Single 

Base Covers 

In-patient hospitalization, Day Care Treatment, Pre & Post Hospitalization

Medical Expenses, Domiciliary Hospitalization, Road Ambulance, Donor Expenses, AYUSH Treatment

 In-patient hospitalization, Day Care Treatment, Pre & Post Hospitalization Medical Expenses, Domiciliary Hospitalization, Road Ambulance, Donor Expenses, AYUSH Treatment.

In-patient hospitalization, Day Care Treatment, Pre & Post Hospitalization Medical Expenses, Domiciliary Hospitalization, Road Ambulance, Donor Expenses, AYUSH Treatment, Restoration of Sum Insured, Gullak (Guaranteed Cumulative Bonus).

Value Added Covers 

Tele-consultation, Wellness Benefits, Discounts from Network Providers 

Tele-consultation, Wellness Benefits, Discounts from Network Providers.

Tele-consultation, Wellness Benefits, Discounts from Network Providers, Health Check-ups.

Add-on Covers 

Accident Hospitalization Cover, Personal Accident Cover, Temporary Total Disablement, Health Check Up, Air Ambulance, Restoration, Gullak (Guaranteed Cumulative Bonus), Sarathi (Waiving off PED waiting period for listed condition), Room Rent Modification, Surplus, Deductible, Voluntary Co-Pay, Coverage for Non-Medical Items and Durable Medical Equipment.

Personal Accident Cover, Temporary Total Disablement, Health Check Up, Air Ambulance, Restoration, Gullak (Guaranteed Cumulative Bonus), Maternity & New Born Hospitalisation Expesnse, Sarathi (Waiving off PED waiting period for listed condition), Room Rent Modification, Surplus, Anant (Unlimited Sum Insured for any hospitalization related to Cancer, Heart condition, Stroke or Major Organ/ Bone Marrow Transplant) ,Deductible, Voluntary Co-Pay, Coverage for Non-Medical Items and Durable Medical Equipment.

Personal Accident Cover, Temporary Total Disablement, Air Ambulance, Room Rent Modification, Surplus, Deductible, Voluntary Co-Pay, Coverage for Non-Medical Items and Durable Medical Equipment, Pratiksha (reduce your cost by including 24 months waiting period for Specified Disease/Procedure Waiting Period and 30 Days Initial Waiting Period).

Precautions Before Going for a Medical Health Check-Up 

Your doctor recommends that you take certain precautions before a medical health check-up. Let’s take a look at them: 

  • Fasting/No Fasting: Some tests, such as HB1AC, may require 8-12 hours of fasting. However, you must follow your doctor's instructions. 
  • Medicine Intake: Certain medications may affect test results. Therefore, you should consult your doctor to determine whether or not you should continue taking your medicines before your check-up. 
  • Stay Hydrated: This is very important. Keep drinking water if blood tests are required. 
  • Proper Sleep: Your sleep cycle can affect your test results. So, ensure you get a good night’s sleep before you go for the check-up. 

Take Charge of Your Health with ManipalCigna's Health Insurance 

Take the first step towards a healthier life with ManipalCigna’s health insurance plans. With a 99% claim settlement ratio, these plans offer regular check-ups, OPD coverage, and comprehensive protection, including allopathic and AYUSH treatments. ManipalCigna also covers pre-existing conditions for senior citizens from the 91st day, non-medical expenses, and durable medical equipment, giving you peace of mind at every stage of life. 

FAQs  

Why is it Important to do a Regular Health Check-Up? 

Regular health checkups are crucial because they enable the early detection of potential health issues, allowing for timely and more effective treatment options. 

What is the Importance of Health Checkups for Students? 

Regular health check-up benefits are essential for students as they help monitor growth and development, detect early signs of health issues, and ensure students' overall physical and mental well-being. 

What are the most important health checks? 

Depending on age and health history, the most critical health checks include blood pressure measurement, cholesterol levels, blood sugar levels, and cancer screenings. 

What are regular health checkups? 

Regular health checkups involve routine examinations by healthcare professionals to assess overall health, detect potential problems early, and provide preventive care. 

What are the benefits of preventive health check-ups? 

Preventive health checkups can help avoid the onset of diseases, reduce the risk of complications, and lead to early treatment, which is often less costly and more effective.