Why Health Insurance Should Cover Preventive Healthcare Benefits

Bhaskar Nerurkar

While health insurance is gaining popularity among the general public, the concept of preventive healthcare plans still falls in uncharted territory. However, in today's lifestyle, where a sedentary manner of living is the new norm, it is imperative to ensure that the health insurance policy covers preventative healthcare plans. Furthermore, more than half of all the deaths in India are caused by heart disease, cancer, chronic respiratory disorders, and diabetes, which are more related to the lifestyle of individuals.

Non-Communicable Diseases (NCDs) have been the leading cause of death and suffering for the past 30 years, responsible for 71% of global fatalities. In India, the economic impact of NCDs is projected to exceed ₹511 lakh crore (US$ 6.2 trillion) by 2030. Overweight and obesity, affecting over 17% of the population, cost the nation ₹2.8 lakh crore (US$ 35 billion) annually, which is more than 1% of the GDP. Thus, preventive health insurance, encompassing early detection and regular check-ups, is the optimal solution for a health-focused approach without financial strain.

What is preventive healthcare?

Instead of treating ailments after they occur, preventive healthcare focuses on taking constructive measures to prevent them in the first place. The aim is to detect and address potential health issues early, reducing the risk of serious diseases and promoting overall well-being. The preventive healthcare sector, which includes exercise, wellness, foods and supplements, early diagnoses, and health tracking, is estimated to reach US$ 197 billion by 2025, growing at a CAGR of 22%.

A preventive health care plan is a type of insurance that covers the costs of preventive health check-ups. From regular screenings to even vaccinations, it ensures that policyholders do not have to pay out-of-pocket for preventive medical check-ups. It is a great solution to reduce stress and save time and money.

Inclusions under the Preventive Healthcare Plan

Here are the following aspects that are covered by medical insurance policies that include preventive healthcare plans:

Routine Check-ups: This includes routine tests like ascertaining blood pressure, sugar, and cholesterol levels. It also includes diabetes screenings, cancer screenings, pathology, and radiology services.

Medications: Some preventive health care plans also include medicines that help in preventing serious diseases. For example, medicines for heart health, blood pressure, diabetes, and cholesterol.

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