Why You Should Take Health Checkups for Insurance

Why You Should Take Frequent Health Checkups

We need to take care of our bodies regularly to keep them functioning at their best. Without frequent health checkups, you can’t identify your problems, and without finding the problems, searching for the solution is wasted. Nowadays, life is hectic, and finding time for checkups can feel like another item on the never-ending to-do list.

Remember, you can reduce health worries and uncertainties with a proper health plan. Regular healthcare checkups should be a part of your health plan, prioritised to safeguard your health and well-being for the future.

Importance of regular health checkups

Investing in regular health checkups is a wise investment in long-term wellness. By undergoing routine health screenings and assessments, individuals can detect health problems in their early stages, when they are more manageable.

This proactive approach enables healthcare providers to tailor advice, screenings, and treatments to meet each patient's unique needs, leading to improved treatment outcomes and a reduced risk of developing serious health conditions.

Why Life Insurance Company Require Health Checkup

Life insurance companies require different types of health checkups to understand the risks of insuring you. Performing all the routine health check-ups listed below gives them clear insights into your health, helping them decide on your policy.

Your coverage and premium mainly depend on these medical tests. You'll likely get a better deal if you're healthy, but your premiums might be higher if you have health issues, are over aged, have daring hobbies, etc.

However, here's the good part: by doing these tests and sharing the results, you ensure your loved ones get the full sum assured if anything happens to you. Plus, it lowers the chances of your claim being rejected if these documents are provided by the policy holder.

So, in case of the worst, your family gets the financial protection they need, all thanks to these checkups. It's all about making sure you get fair premiums and the right coverage based on your health.

Let’s learn about some health information policyholders should provide to the insurance company and how it helps them assess risk levels accurately.

Your medical history

By knowing your medical history, insurers can evaluate your potential health risks and determine appropriate coverage.

Your past and current prescriptions

Information about medications you've taken or are currently taking aids insurers in assessing your overall health and potential risks.

Your family’s medical history (parents and siblings)

Family medical history provides insight into genetic predispositions to certain illnesses, helping insurers evaluate hereditary risks.

Your driving record

Your driving history helps insurers assess your risk of accidents, which can impact your life expectancy and insurance premiums.

Dangerous hobbies

Participation in risky activities like skydiving or scuba diving may increase the likelihood of injury or death, affecting insurance risk assessment.

International travel plans

Insurers may inquire about international travel to assess exposure to health risks in foreign countries, impacting coverage decisions.

By gathering this information, life insurance companies can tailor policies to meet individual needs while accurately assessing potential risks.

Advantage of Regular Health Check up

Regular health checkups are like tune-ups for your body, ensuring everything is running smoothly. These medical checkups offer numerous benefits that can positively impact your overall well-being. Let’s learn a few advantages.

Save Expense:

Regular health check-ups save costs by catching health issues early before they become expensive. This helps prevent serious complications and costly medical interventions, ultimately reducing healthcare expenses in the long term.

Reduces Health Risks:

Regular healthcare check-ups reduce health risks by catching potential major diseases early. They identify health risk factors for heart disease and diabetes, empowering individuals to make lifestyle changes and prevent serious conditions.

Early Detection of Disease:

When you do a full body checkup, you can identify health issues at their earliest stages. Comprehensive health screening will help individuals receive timely intervention and treatment, improving outcomes and enhancing overall quality of life.

Guides to Medical Treatment:

If you do regular whole-body checkup, it will help guide medical treatment by giving doctors important information about your health. This allows them to create personalised treatment plans that suit your needs. By keeping a close eye on your health and addressing any issues early, doctors can provide the best care possible for you.

Recognizes Stress-related Disorders:

Regular full medical check-ups help recognize stress-related disorders by including mental and emotional well-being evaluations. During these check-ups, healthcare providers can identify signs of conditions like anxiety and depression.

Medical checkups are an integral part of proactive health management, resulting in a healthier lifestyle for the long term.

Types of Medical Tests for Insurance Policyholders

So, what is the common medical test list an insurance policyholder may need to undergo to fulfil insurance conditions?

Let's take a closer look at the key health tests you may encounter:

Body Mass Index (BMI):

It's a simple way to gauge your overall health and potential insurance risks. This test calculates body fat based on height and weight; high BMI indicates obesity-related health risks.

Urine Test:

By analysing urine samples, insurers can check for various markers, including protein and glucose levels. These tests provide valuable insights into kidney function, potential infections, and even signs of diabetes.

Blood Test:

Blood test results give insurers a holistic view of your health status, helping them evaluate potential risks accurately. This test involves analysing cholesterol, liver function, and blood sugar levels, offering a comprehensive health overview.

Complete Blood Count:

This test measures different components of your blood, including red and white blood cells and platelets. It's instrumental in detecting infections, anaemia, and other blood-related disorders.

Blood Sugar:

Insurers tell you to do this test to understand your risk of developing diabetes-related complications. This test assesses blood glucose levels to detect diabetes or monitor its management. If they are high, you have diabetes.

Kidney Function:

This test is essential for detecting potential kidney issues early on. Through it, insurers will learn how well your kidneys filter waste from your blood, which means your overall kidney health.  

Liver Function:

It helps insurers understand potential risks related to liver conditions. This test involves measuring various enzymes, proteins, and bilirubin levels in your blood to assess the health of your liver.

Lipid Profile:

This test evaluates cholesterol levels, including high-density lipoprotein (HDL), low-density lipoprotein (LDL), and triglycerides. It provides insights into your cardiovascular health and potential disease risks.

Human Immunodeficiency Virus (HIV) Test:

Insurers may require an HIV test to detect the presence of HIV antibodies or antigens. Early detection is crucial for timely treatment and managing potential risks associated with the virus.

Chest X-Ray:

This imaging test provides detailed images of your chest, helping detect respiratory conditions, heart issues, and other abnormalities. It's an essential tool for assessing your overall health status.

Ultrasonography:

Using sound waves, ultrasonography creates images of internal organs, aiding in diagnosing various medical conditions. It's particularly useful for evaluating abdominal and pelvic organs.

Comprehensive Trail-Making Test:

This cognitive assessment evaluates mental agility and executive function. It helps insurers understand your neurological health and cognitive abilities.

Treadmill Test:

Also known as a stress test, this evaluates heart function and cardiovascular fitness by monitoring your heart rate and blood pressure during physical activity. It provides valuable insights into your cardiovascular health and fitness levels.

Where can I get a medical test in Bangladesh?

You can get a medical test almost anywhere in Bangladesh. According to the Directorate General of Health Services (DGHS), there are more than 13000 community clinics, 5054 private hospitals and clinics, and 9,529 diagnostic centres in Bangladesh.

Visit a nearby healthcare professional or medical centre.

Whenever you need to do a medical test you can either go to healthcare professional or medical centre. With nearby healthcare professional  it's like having a doctor right on your doorstep, less time spent navigating traffic, and more time focusing on what matters - your health. If advance consultation or diagnosis required you can opt to visit medical centre. Final decision always depends on individual priorities.

Check with your life insurance company on your health coverage benefits.

Your health insurance company might hold the key to easing your worries and they are protecting your loved ones in times of need.

So, you should talk with them and see what health coverage benefits are included in your policy. You might be pleasantly surprised that they offer more than just financial security. From covering routine check-ups to specialized diagnostics, your insurance could be your ticket to affordable healthcare bliss.

Explore medical services on MetLife's 360 Health App.

How about getting a doctor in your pocket, ready to lend an ear and offer advice whenever needed? That's what MetLife's 360 Health App offers - free consultations with healthcare pros at your fingertips!

You can book appointments with top-notch doctors without breaking a sweat with just a few taps. Our app also offers health assessments and a bunch of other nifty features to keep you on top of your game.

Feeling under the weather and needing meds? Say goodbye to long pharmacy queues - our app lets you easily order medicines online. It's like having your pharmacy on speed dial!

Download MetLife 360 Health App today and unlock a world of wellness right at your fingertips. Start your health journey with MetLife Bangladesh today.