Diagnostic Tests: Essential Screenings for Health

Wealth is indeed one of the most important assets in everyone’s lives, but so is health. Some of us work at a job, own a business, or do some activity to earn bread daily. Likewise, do we keep track of our health? Well, for many of us, the answer would be no or sometimes. We often overlook the fact that the greatest asset of all is keeping yourself healthy. Eating healthy food and exercising are not the only ways to keep yourself healthy. You must also consult with the doctor for monthly health check-ups. 

Unfortunately, this is the most overlooked aspect of a healthy lifestyle. As a consequence of declining attention to health check-ups, many insurance companies, like ours, have started offering diagnostic test benefits. At Niva Bupa, we feel that it will help detect potential health risks early, enabling timely intervention and treatment. From routine blood work to advanced imaging techniques, the tests provide a clearer picture of your overall well-being. 

Let’s understand the most important health screening tests, their significance, and how we support you in managing such expenses.

7 Essential Diagnosis You Must-know About

Diagnostic screenings or tests are simply preventive health check-ups that are done annually or every eight to ten months, depending on personal choice. At Niva Bupa, we offer policies like the GoActive Individual Plan and Smart Health Companion Family Plan that include coverage for diagnostic tests. 

Here are some examples of the tests that you may avail of using diagnostic health insurance coverage:

Routine Blood Tests

Blood tests are the most basic preventive check-ups that everyone must take now and then. They help detect conditions like anaemia, diabetes, infections, etc. The main objective of why we offer coverage of this routine test is to ease the financial burden of the foundational test for any medical situation. Here are a couple of routine blood tests you can refer to regarding your requirements:

Imaging Tests (X-rays, MRI, CT Scan)

Imaging diagnoses are done to provide a detailed view of internal organs and bones. They help detect fractures, tumours, and other abnormalities. Some of the common imaging tests are as follows:

• X-rays: Used for detecting fractures, lung infections, and joint issues.
• MRI (Magnetic Resonance Imaging): Helps diagnose neurological disorders, spinal injuries, and soft tissue problems.
• CT Scan (Computed Tomography): Provides a detailed cross-sectional view of internal structures to detect tumours, blood clots, and organ damage.

Now, some of you may feel that these tests may be expensive, but we offer coverage for such medical costs. Our GoActive Individual plan includes ₹2,500/- annual allowance for any to every diagnostic test. We aim to make it easier for you to undergo necessary treatments without financial stress.

Cardiac Diagnostic Tests

In recent times, heart-related diseases have been significantly increasing. In India, the number of people suffering from such medical conditions is expected to reach around 213.5 million in 2025. The main reason behind this is,  that heart problems often goes unnoticed until the situation turns into a severe condition. Regular heart screenings help in early detection and management. Common tests that you may opt for under diagnostic insurance include:

• Electrocardiogram (ECG/EKG): ECG records electrical activity of the heart to detect irregular heartbeats.
• Echocardiogram: Uses ultrasound to assess heart function and detect abnormalities.
• Treadmill Test (TMT): Evaluates how well the heart responds to stress or exertion.

Cancer Screening Tests

Another overwhelming medical condition that demands early detection for treatment is cancer. Though the treatment options have increased, the number of cases is still expected to reach an all-time high of 1.57 million in 2025. Therefore, the following are a few essential diagnostic tests that are recommended for cancer screening tests and are included under insurance coverage also:

• Mammogram: Detects breast cancer in women.
• Pap Smear: Screens for cervical cancer.
• Prostate-specific Antigen (PSA) Test: Helps detect prostate cancer in men.
• Colonoscopy: Screens for colorectal cancer.

Hormonal and Thyroid Tests

Medical conditions like hormonal imbalances can happen broadly due to genetics or lifestyle changes. It may lead to conditions such as thyroid disorders, infertility, and metabolic issues. Given the fact that these conditions must be treated as early as possible, the following diagnostic tests are covered under insurance:

• Thyroid Function Test (T3, T4, TSH): Diagnoses hypothyroidism or hyperthyroidism.
• Cortisol Test: Assesses adrenal gland function.
• Testosterone & Estrogen Tests: Helps in diagnosing reproductive health issues.

Infectious Disease Screenings

Infectious diseases can spread quickly and have the potential to cause severe health complications. Since it requires regular screenings, having the following diagnostic tests covered by the insurer helps in early detection and treatment:

• HIV Test: Detects HIV infection for timely management.
• Hepatitis B & C Screening: Identifies liver infections.
• Tuberculosis (TB) Test: Detects TB bacteria in the body.

Conclusion

Health issues, regardless of being minor or major, can be detected early to ensure timely treatment because of regular diagnostic tests. Routine check-ups play a crucial role in identifying potential health risks before they become serious, allowing for timely medical intervention. However, while prioritising health is essential, planning for the associated costs is equally important. 

At Niva Bupa, we offer health insurance after diagnosis and before as well that covers costs for such check-ups. Our comprehensive medical insurance plans offer you peace of mind and financial security. 

Prioritise your health with us today and ensure a healthier tomorrow!

FAQs

1. What are the most important diagnostic tests everyone should take?

   Routine blood tests, imaging tests (X-ray, MRI, CT scan), and screenings for heart health, cancer, thyroid, and vitamin deficiencies are crucial for maintaining good health.

2. How often should I get diagnostic tests done?

   The frequency depends on factors such as age, medical history, and risk factors. It’s advisable to consult a doctor for personalised recommendations.

3. Are diagnostic tests necessary even if I feel healthy?

   Yes, many health conditions develop silently. Regular screenings help detect potential issues early before symptoms appear.

4. Can I claim insurance for tests done at any diagnostic centre?

   Most insurance providers have a network of approved diagnostic centres where cashless facilities are available. Check with your insurer for details.

5. What should I do if my diagnostic test shows an abnormal result?

   Consult a doctor immediately for further evaluation and treatment. Health insurance after diagnosis can help cover follow-up tests and treatments.