Preventive Health Check-up

Preventive health check-up: Detects diseases early and stay healthy while enjoying tax benefits.
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3 mins
05-March-2025

In today's fast-paced world, busy schedules and work-related stress often lead us to neglect our health. However, a preventive health checkup can help detect potential health issues early, reducing the risk of serious illnesses. Regular check-ups ensure timely intervention and promote overall well-being.

What is a preventive health check-up?

A preventive health check-up is a medical examination that is conducted to detect potential health problems before they become more serious. The purpose of a preventive health check-up is to identify health risks early on, so that appropriate action can be taken to prevent or treat any potential health problems. Check the best health insurance plans online.

Why do you need preventive health check-up?

Preventive health check-ups are essential for early detection and diagnosis of chronic diseases and risk factors. By identifying health issues early, it is possible to better manage chronic conditions and prevent them from worsening. Regular check-ups also promote a healthy lifestyle and can help you stay on top of your health.

Benefits of preventive health check-ups

Here are some of the benefits of preventive health care check-ups:

· Early detection of health problems:

Regular preventive health check-ups help to detect any potential health problems before they become serious. Early detection of health problems increases the chances of successful treatment and management.

· Preventive care:

Preventive health check-ups enable health care providers to identify any risk factors that may lead to chronic diseases, such as heart disease, diabetes, and cancer. This allows for timely intervention and prevention of these conditions.

· Cost-effective:

Preventive health check-ups are cost-effective in the long run as they can help avoid expensive medical treatments and hospitalisations that may be required for advanced-stage illnesses.

· Improved quality of life:

By identifying health risks early on, preventive health check-ups allow individuals to make lifestyle changes and adopt healthy habits to improve their overall health and well-being.

· Peace of mind:

Preventive health check-ups provide individuals with peace of mind by assuring them that their health is being regularly monitored and any potential health problems are addressed.

  • Active involvement in self-care – Encourages individuals to prioritize their health and adopt a proactive approach.
  • Early detection and timely precautions – Identifies potential health risks before they escalate into serious conditions.
  • Better lifestyle management – Helps focus on crucial aspects like balanced nutrition, regular exercise, and mental well-being.
  • Improved sleep quality – Addresses underlying health issues that may disrupt sleep patterns.
  • Cost savings on medical expenses – Reduces long-term healthcare costs by preventing chronic diseases.
  • Promotes long-term wellness – Supports a healthier, longer, and more fulfilling life.

· Tax benefits:

Regular health check-ups offer tax benefits under section 80D of Income Tax Act, providing a deduction of up to Rs. 5,000.

You can check out the Bajaj Finserv  Max plan which offers the benefit of full body health check-ups. The plan also provides other preventive health care benefits, which include:

  • Unlimited teleconsultation with over 3500 verified doctors
  • Get coverage for diagnosis from lab tests
  • Specialist doctor visits benefit up to Rs. 3000 in single or multiple visits
  • 45+ lab tests with the convenience of home collection
  • Up to 10% discount on doctor consultations

With Health Prime Max, you get video consultations, medicine reminders, and a seamless experience of claiming benefits under the plan.

Pro Tip

Avail hospitalisation and treatment benefits with health insurance plans starting at just Rs. 15*/day.

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List of the medical tests under preventive health check-ups

The medical tests included in a preventive health check-up may vary depending on factors such as age, gender, family history, and lifestyle. Here are some common tests that may be included in a preventive health check-up plan:

Category

Medical tests

Recommended for

Abdominal health

Abdominal ultrasound

Individuals with digestive issues or for routine screening

Cancer and tumour markers

Breast mammography

Women above 30 (for breast cancer screening)

 

Pap smear / Transvaginal ultrasound (TVS)

Women above 40 (for cervical and ovarian cancer screening)

 

Prostate-Specific Antigen (PSA) test

Men above 45 (for prostate cancer screening)

Cardiac health

Chest x-ray

Smokers or those at risk of respiratory and heart conditions

 

Electrocardiogram (ECG)

Individuals at risk of heart disease

 

2D Echocardiogram

Those with existing heart conditions or suspected abnormalities

 

Coronary angiography

Individuals with high heart disease risk or symptoms of coronary issues

Diabetes screening

Fasting blood sugar

All adults, especially those with diabetes risk factors

 

Random blood sugar

Individuals with suspected diabetes symptoms

Kidney function

Blood urea

Individuals with kidney disease risk

 

Serum creatinine

To assess kidney health and function

 

Blood urea nitrogen (BUN)

Evaluates kidney performance

Lipid profile

Total cholesterol

Adults, especially those at risk of heart disease

 

High-Density Lipoprotein (HDL)

Measures "good" cholesterol levels

 

Low-Density Lipoprotein (LDL)

Measures "bad" cholesterol levels

 

Triglycerides

Assesses fat levels in the blood

Liver function

Liver enzyme test

Individuals with liver disease risk

 

Serum Bilirubin

Helps detect liver conditions like jaundice or hepatitis

Thyroid function

Thyroid-Stimulating Hormone (TSH)

Detects thyroid dysfunction

 

Triiodothyronine (T3)

Measures active thyroid hormone levels

 

Thyroxine (T4)

Evaluates overall thyroid function


In addition to these tests, a preventive health check-up may also include a physical examination, medical history review, and counselling on lifestyle modifications such as diet, exercise, and stress management.

Preventive health check-ups for various age groups

Preventive health care is crucial for individuals of all ages.
 

Age groups

Preventive health care recommendations

Infants

Ensure timely vaccinations and check-ups.

Promote breastfeeding for immunity and growth.

Create a safe sleep environment to prevent SIDS.

Children (2-12 years)

Encourage regular physical activity and a balanced diet.

Maintain dental hygiene with regular check-ups.

Monitor screen time to prevent eye strain.

Adolescents (13-17 years)

Promote healthy eating habits and hydration.

Encourage regular exercise and adequate sleep.

Address mental health issues and stress.

Adults (18-60 years)

Schedule routine health check-ups and screenings.

Maintain a balanced diet and regular exercise.

Manage stress and prioritise mental well-being.

Senior citizens (60+ years)

Attend regular geriatric check-ups and screenings.

Focus on fall prevention and bone health.

Stay socially active and mentally engaged.


It is important to prioritise preventive health care throughout all stages of life to maintain optimal health and prevent potential health complications.

How do preventive health check-ups prevent lifestyle diseases?

Preventive health check-ups play a critical role in preventing lifestyle diseases. These check-ups help individuals to identify potential health problems early, allowing them to take preventive measures and make lifestyle changes to avoid or manage these conditions. By detecting conditions like hypertension, high cholesterol, diabetes, and obesity, preventive health check-ups can help individuals take steps to reduce their risk of developing chronic diseases. These check-ups also encourage individuals to adopt healthier lifestyle habits, such as regular exercise, healthy eating, and stress management.

Through early detection and management of lifestyle diseases, preventive medical care can help individuals maintain good health and prevent chronic health problems. You can visit Bajaj Finance Insurance Mall to explore insurance options from top insurance companies and select the one that best meets your requirements.

Who requires preventive health check-ups?

Preventive health check-ups are beneficial for everyone, but they are particularly important for individuals who have a higher risk of developing certain health conditions. People who have a family history of chronic diseases like heart disease, diabetes, and cancer are more likely to develop these conditions themselves, and may, therefore, benefit from more frequent preventive health check-ups. Individuals who lead a sedentary lifestyle, have poor eating habits, smoke, drink excessively, or are overweight or obese may also benefit from regular preventive health check-ups to detect potential health problems early and take preventive measures.

Tax deductions on preventive health check-ups under Section 80D

Section 80D of the Income Tax Act allows taxpayers to claim deductions on the expenses incurred on preventive health check-ups for themselves, their spouses, dependent children, and parents. Taxpayers can claim up to Rs. 5,000 per financial year for preventive health check-ups, including the expenses incurred on medical tests and other diagnostic procedures under the 80D deduction limit. Preventive health check-up is, therefore, an essential aspect of maintaining good health and well-being, and also comes with the additional benefit of tax exemption.

Points to consider before buying preventive health check-up

Given below are the key points to look out for while opting for preventive health check-up:

  • Purpose: Define your health goals and reasons for the check-up.
  • Health history: Share your medical history and any existing conditions with the health care provider.
  • Age and gender: Opt for age and gender-specific tests tailored to your needs.
  • Accreditation: Choose accredited labs or clinics with a reputable track record.
  • Cost: Compare prices and inclusions to ensure value for money.
  • Frequency: Determine how often you need these check-ups.
  • Consultation: Seek expert advice to interpret results and plan necessary interventions.

List of preventive healthcare packages in India

Here are some common types of preventive medical check-ups:

  • Family package: A full-body check-up, and dietary, ophthalmic, and dental consultations are available to benefit the entire family. Some hospitals may offer personalised packages for men and women.
  • Cardiac package: This package is intended to assess the risk of heart attacks, strokes, and other cardiovascular accidents and offer corrective consultations.
  • Diabetes package: Diabetic patients can take advantage of diabetes plans to monitor their vital organs regularly and avoid complications.
  • Cancer package: Early cancer screening and future risk assessment are provided by these cancer insurance plans.
  • Pediatric package: Health care plans for children up to thirteen years include a variety of pediatric, ophthalmic, dental, and general check-ups.
  • Dental package: Dental packages beyond regular check-up plans are becoming increasingly popular in hospitals and dental clinics.

Basic health package: A general health screening package that includes essential tests like blood pressure monitoring, blood sugar tests, liver and kidney function tests, and a complete blood count (CBC).

Full body package: A comprehensive health assessment covering all major organ systems, including cardiovascular, respiratory, digestive, and metabolic health. It typically includes advanced diagnostic tests and specialist consultations.

HIV package: A confidential screening package designed for early detection of HIV/AIDS, ensuring timely medical intervention and counselling.

Fertility package: This package includes tests and consultations to assess reproductive health in both men and women. It covers hormone tests, ultrasound scans, and sperm analysis for early detection of fertility-related issues.

Women package: A specialized women health insurance package that includes screenings for breast and cervical cancer, bone density tests, thyroid function tests, and gynaecological consultations to support women's overall health and well-being.

Does your health insurance cover preventive health check-ups?

Not all health insurance policies cover preventive health check-ups. You must carefully go through the policy inclusions and exclusions when buying a policy.

If you are looking for preventive health check-up plans, you can opt for DocOnline India plans offered through Bajaj Finance. There is Good Health 360 that provides one voucher for a full body health check-up that covers 31 parameters, among the various other benefits offered. These plans start at an affordable annual premium of just Rs. 699. You can visit the Bajaj Finance Insurance Mall for other such plans offering health body check-up benefits.

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Frequently asked questions

What includes in preventive health check-up?

Preventive health check-up typically includes a series of medical tests to identify any potential health issues and allow early intervention. This may include blood pressure checks, cholesterol and blood sugar tests, cancer screenings, vaccinations, and physical examinations. The exact tests included may vary depending on age, gender, and personal health history.

What is preventive health check-up under 80D?

Under Section 80D of the Income Tax Act, an individual can claim tax deductions for expenses incurred towards preventive health check-ups for themselves, their spouse, children, and dependent parents. The deduction limit is up to Rs. 5,000 per financial year and is over and above the deduction for medical insurance premiums.

Is proof required for 80D preventive health check-up?

Yes, proof is required for claiming tax deductions under Section 80D for preventive health check-ups. The individual needs to provide receipts or bills of the expenses incurred towards the check-up. Additionally, the check-up should have been done by a registered medical practitioner or at a registered diagnostic centre to be eligible for tax deductions.

Is it compulsory to buy health insurance to avail preventive health check-ups?

No, it is not compulsory to buy health insurance to avail preventive health check-ups. The tax deduction for expenses towards preventive health check-ups can be claimed separate from the deduction for health insurance premiums under Section 80D of the Income Tax Act. However, having health insurance coverage is always recommended for comprehensive health care coverage.

Is tax benefit 80D applicable on preventive health check-ups?

Yes, tax benefit 80D is applicable on preventive health check-ups. Under Section 80D of the Income Tax Act, an individual can claim a tax deduction of up to Rs. 5,000 for expenses incurred during preventive health check-ups for immediate family members or HUF members.

Who should avail of preventive health check-ups?

Everyone should consider getting a preventive health check-up, regardless of age or gender. It is particularly important for individuals with a family history of specific medical conditions or those who have concerns about their health. Regular check-ups can help detect health issues early, and timely intervention can prevent or manage the disease effectively.

What documents do I need for a preventive health check-up?

You do not need any specific documents for a preventive health check-up. You can simply book an appointment with a diagnostic center or hospital that offers preventive health check-up packages. However, it is advisable to bring your ID proof to verify your identity at the time of the appointment.

How much does a preventive health check-up package cost in India?

The cost of preventive health check-up packages in India varies depending on the diagnostic centre or hospital you choose and the package you opt for. A basic package can cost anywhere between Rs. 500 to Rs. 2000, while a comprehensive package can cost Rs. 5000 to Rs. 10,000 or more. It is important to choose a package that best suits your needs and budget.

What is the limit of preventive health check-up?

Under Section 80D of the Income Tax Act, individuals can claim a tax deduction of up to Rs. 5,000 per financial year for expenses on preventive health check-ups for themselves and their family.

What are the tests for full body check-up?

A full body check-up typically includes blood tests, urine analysis, liver and kidney function tests, lipid profile, thyroid tests, ECG, chest X-ray, ultrasound, and cancer screenings, depending on age and health risks.

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Bajaj Finance Ltd. (BFL) is merely a distributor of third party products from Assistance Services providers such as CPP Assistance Services Pvt Ltd, Bajaj Finserv Health Ltd.(BFHL), AWP Assistance India Pvt. Ltd. (Allianz), Doc Online Health India Pvt Ltd. etc. Issuance of the product is at sole discretion of Assistance Company or Services provider . The product and services or benefits assured under the product shall be governed by respective partner’s product T&C’s and BFL does NOT hold any responsibility for the issuance, quality, serviceability, maintenance and any claims post sale. Your purchase of an assistance product is purely on a voluntary basis after your exercise of an independent due diligence on the suitability, viability of any product. For more details on terms and conditions, inclusions and exclusions please read the product sales brochure carefully before purchase or subscription. All product information such as membership fees, benefits, exclusions, value added services, etc. are authentic and solely based on the information received from the respective value added service provider or Assistance company.

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