Good health shouldn’t just save your life - it should save your money too.
Modern health insurance plans now go beyond hospitalization to include preventive and wellness benefits - rewarding you for staying fit and getting regular check-ups.
From free annual health screenings to fitness app integrations and cashback rewards, these plans combine protection with proactive care.
In Hyderabad, Telangana, PolicyBachat helps you compare the best preventive health insurance plans for 2025 that include check-ups, wellness rewards, and fitness-linked premium discounts.
What is Preventive Health Insurance?
Preventive health insurance includes benefits that help detect diseases early, reducing hospitalization risk and long-term costs.
These plans include:
- Free annual health check-ups
- Discounted diagnostic tests
- Vaccination coverage
- Lifestyle disease management programs
- Rewards for healthy living habits
Why Preventive Care Matters
- Early detection saves 40–60% of treatment costs.
- Keeps long-term premiums affordable.
- Reduces claim frequency and ensures full coverage when needed.
- Encourages a healthier, longer lifestyle.
Common Preventive Benefits Included In 2025 Plans
| Benefit |
Typical Frequency |
Covered Services |
| Annual Health Check-Up |
Once a year |
CBC, lipid profile, sugar, thyroid, etc. |
| Wellness Rewards |
Continuous |
Earn points for walking, workouts, or no claims |
| Vaccination Cover |
Optional |
Routine or flu vaccines |
| Nutrition Counseling |
Optional |
Diet plans or consultations |
| Mental Health Wellness |
Growing trend |
Therapy and stress management sessions |
Top Preventive Health Plans (2025)
| Insurer |
Plan Name |
Wellness Feature |
Check-Up Frequency |
| HDFC ERGO |
Optima Restore |
Free annual check-up |
1/year |
| Care Health |
Care Classic |
Wellness points for fitness tracking |
Quarterly |
| Aditya Birla Health |
Activ Health Platinum |
Premium discounts for active lifestyle |
Continuous |
| Niva Bupa |
Health Premia |
Family health check-up |
Annual |
| Star Health |
Family Optima |
Preventive screening for all members |
1/year |
Local Insights For Hyderabad
- % of policies offering free check-ups: 75%
- Avg. annual value of free tests: ₹3,500
- Top insurers offering wellness rewards: HDFC ERGO, Star Health
- Most common test packages used: CBC, Lipid Profile
How Wellness Reward Programs Work
- Download insurer’s app or link wearable device.
- Track steps, activity, or gym visits.
- Earn reward points for staying active.
- Redeem points for premium discounts, health tests, or vouchers.
Example:
Walk 10,000 steps daily → earn 500 points → redeem for ₹500 discount on renewal.
Tax Benefits Under Section 80D
- Preventive health check-up expenses (up to ₹5,000) are eligible under Section 80D.
- Included within total limit of ₹25,000 / ₹50,000 for self & parents.
How To Choose The Right Preventive Health Plan
- Check annual check-up inclusions (number of tests).
- Prefer insurers offering family-wide screenings.
- Look for reward-based premium discounts.
- Ensure mental wellness and nutrition benefits are included.
- Confirm hospital network for diagnostic tie-ups.
Policybachat Tip
Preventive health plans aren’t just for seniors - they’re your first line of defense. One check-up a year can save lakhs in medical bills later.
Advantages Of Wellness Plans
- Early diagnosis = better treatment outcomes.
- Lifestyle tracking promotes accountability.
- Reward system encourages consistent health habits.
- Insurers recognize you as a low-risk customer - keeping future premiums stable.
FAQs
What is preventive health check-up in insurance?
A free or discounted medical test package included annually in your policy.
How much is covered for preventive care?
Usually ₹1,000–₹5,000 per insured per year.
Is preventive check-up covered from day one?
Yes, no waiting period.
Can I get check-up at any hospital?
Only at insurer’s authorized diagnostic centers.
Do I need doctor recommendation?
No - claim preventive check-ups directly.
Are wellness apps part of insurance now?
Yes, many insurers link rewards to fitness apps or wearables.
Do wellness rewards reduce premiums?
Yes, many plans offer discounts at renewal.
Is mental health covered under preventive care?
Yes, select policies now include therapy or counseling sessions.
Are preventive benefits taxable?
No, they’re included in your Section 80D deduction.
Which plan offers the best wellness rewards in 2025?
Aditya Birla Activ Health Platinum - rewards + renewal discounts.
Customer Reviews
- “Used my free check-up twice - totally cashless.” - Ravi Menon, Delhi
- “PolicyBachat showed which plans include wellness rewards.” - Sneha Iyer, Mumbai
- “Love earning points for my fitness app steps!” - Vikram Desai, Bengaluru
- “Preventive check-up benefit saved ₹2,000 yearly.” - Ananya Reddy, Hyderabad
- “Glad to see policies caring about wellness, not just illness.” - Kavya Sharma, Kochi
- “PolicyBachat helped me choose plan with nutrition + mental health cover.” - Rajesh Nair, Chennai
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