Contents:
- Medical Video: Health Checkup - Important Screenings and Tests You Need To Be Aware Of
- What is the medical check-up fee?
- Is medical check-up covered by health insurance?
- Private health insurance
- Government health insurance
Medical Video: Health Checkup - Important Screenings and Tests You Need To Be Aware Of
An overall health check or medical check-up (MCU) is a series of medical tests that need to be carried out routinely by everyone. This test is carried out to ascertain current health conditions and early detection of certain diseases. The cost of this complete test usually makes some people reach their pockets rather deeply. So, does health insurance cover medical check-up fees?
What is the medical check-up fee?
The cost of this complete test can vary in each hospital. The cost also depends on the examination package that you choose, the more complete the tests carried out the more expensive the costs needed.
Usually, medical check-up costs start from five hundred thousand rupiahs, reaching tens of millions, depending on how many medical examinations are taken.
In addition to the more checked, hospital facilities also affect this price, for example the class of rooms chosen.
Is medical check-up covered by health insurance?
Private health insurance
Every insurance company has its own policies regarding medical check-up fees. There is insurance that provides medical check-ups, there are those who make medical check-ups as a condition before participating in insurance, and there are also those who bear medical check-ups with applicable terms and conditions.
In fact, more private insurance does not cover medical check-ups. Because, the purpose of the MCU is not for urgent needs such as diagnosing diseases and treatment but to see health status.
Some private insurance companies require the MCU to look at the conditions of prospective participants, this is related to the premiums to be paid.
Sometimes the results of the MCU are used as an illustration of insurance companies to find out about the risks that must be paid by participants like this.
For example, the results of your MCU are something a little abnormal, will change the amount of premiums initially offered by insurance providers.
This policy will vary for each private insurance, the example above is only one of them. To be more certain, ask the private insurance provider that you have.
Government health insurance
In government insurance (health BPJS) medical check up is not borne at all. Because the purpose of medical check up is not to diagnose a symptom or sign that appears on your health. Therefore, the MCU examination is not considered an urgent matter.
If indeed there are certain medical indications that require you to take a test, then it will be borne. If you are from a healthy condition, then you want to check the complete lab, and other checks as a whole are not covered.
Even so, there are several early examinations (screening) that can be done free of charge with health BPJS. Screening is not an overall examination like the MCU, but focuses on one condition.
Reported on the BPJS health page, one that can be examined early for free is the pap smear and IVA services to detect cervical cancer as early as possible.
In addition to cervical cancer screening, Reported in the Practical Guide to Health Screening, BPJS health also provides free screening for diseases that focus on public health control, namely type 2 diabetes mellitus and hypertension. If you want to see yourself having type 2 diabetes or hypertension, you can take this screening.
