What are the benefits we get in health insurance after 3 claim free years?

Almost all health insurance companies give a free health check up to the customers who have completed three or four claim free years without break with the company. You need to conduct these tests in the authorized diagnostic centers.

• For Policies from Private Health Insurance Companies: You will get a Health Checkup coupon at the time of the renewal of health insurance policy on completion of your three of four claim free years. You need to take this coupon to an authorized diagnostic centre (list, mentioned on the coupon) to undergo the check up.
• For Policies from Public Health Insurance Companies: You need to get the ‘No Claim Confirmation’ from the TPA after completion of the required claim free years. You can get a checkup done free of cost upto 1% of the sum assured. Send your original bills to Health insurance Company for reimbursement.

To read more such information see Why aren’t Diagnostic Tests Covered in Health Insurance?