It’s the season of festivals, shopping and feasting and with that comes the concern of over-spending and savings. With the shuffle of managing these finances, we often miss figuring out better solutions to save on our health expenses. So, if you think you are saving money only by getting a low-cost health insurance plan, you are wrong. A preventive health checkup is equally important.
The Global Burden of Disease 2019 study found “Since 2010, the pace of decline in global age-standardised Disability-adjusted Life Years (DALY) rates has accelerated in age groups younger than 50 years.” It means that more and more people are being diagnosed with diseases at a younger age.
The problem is that a bulk of these are non-communicable diseases (NCD) and lifestyle diseases. A 2015 WHO report estimated that “1 in 4 Indians has a risk of dying from an NCD before they reach the age of 70.” Such diseases can be prevented, and controlled if identified early.
That’s where a preventive health checkup comes in. Regular check-ups can help identify these deadly diseases like cardiovascular diseases, chronic respiratory diseases, diabetes and hypertension. In some people, due to genetic make-up, these are unavoidable, but for a large portion, they can be avoided through early intervention.
Here are some major reasons why you should have a preventive health checkup done and how they save money.
Prevention is Better Than Cure
When it comes to NCD’s, preventing them saves you a lot of time, effort and energy. Diseases like diabetes are often a lifelong battle, with serious impacts on your mental and physical wellbeing. It also doesn’t come cheap. A 2020 research found that “the median direct cost of diabetes for India as a whole was ₹9996/- per annum” in India. You also have to put in a lot of effort to take medication on time and visit the doctor regularly.
Lifestyle Diseases and Your Psychological Wellbeing
It’s not just your physical wellbeing, non-communicable diseases also leave a huge psychological scar. The stress that comes with battling these diseases can lead to depression and anxiety. There is also the constant worry of the disease getting worse. Getting a clean bill of health, or catching it early can help relieve some of this stress, so it is better to get a preventive health checkup done.
Preventive Health Checkup and Lifespan
There’s a strong link between preventive care and life expectancy. If you want to live a longer, healthier life, you need to make regular changes as you age. A preventive health checkup gives you the guidance you need, from exercise routines to diet and even sleep. That way, you will always be as healthy as possible.
Reduce Your Healthcare Costs
A preventive health checkup may be an expensive one-time affair, but they can save you a lot in the long run. Getting diagnosed early will prevent you from spending all your savings on medicines, regular checkups and consultations and other tests. Under the Income Tax Act, you can also claim up to ₹5,000 on health checkups as a deductible. Preventive health check-ups do have a financial benefit!
Healthcare Plan benefits
Many health insurance plans and healthcare plans offer reduced premiums for healthier individuals. That’s not all though, if you pick the right health benefits package, you can also get access to all your preventive care measures in a single place. That’s not just easy to use, but the smarter and more economical option. That way, getting a preventive health checkup isn’t just simple, but efficient.
Now that you know that, it’s time to reassess your employee healthcare plan. For a post-COVID world, you need a comprehensive healthcare plan that gives you and your team so much more than just insurance. That’s why we have introduced TeamSure by Onsurity. With Onsurity, you get access to preventive health checkups, as well as teleconsultations, online medicine ordering, and fitness rewards.
We at Onsurity believe in the power of preventive care. That’s why we have designed our product to ensure employees have access to the latest and more reliable preventive healthcare measures. We also believe healthcare shouldn’t be a burden, which is why our flexible plans are designed with startups/SMEs in mind. Head to our website to find out more and give your team the healthcare they deserve.