Table of contents:
- How much does a medical check up cost?
- Is medical check-up covered by health insurance?
- Private health insurance
- Government health insurance
A medical check-up (MCU) is a series of medical tests that everyone needs to do regularly. This test is done to determine the current health condition and early detect a certain disease. The cost of this complete test usually makes some people reach into their pockets rather deep. So, does health insurance cover the cost of medical check-ups?
How much does a medical check up cost?
The cost of this complete test can vary from hospital to hospital. The cost also depends on the examination package you choose, the more complete the test, the more expensive it will be.
Usually, medical check-up costs start from five hundred thousand rupiah, up to tens of millions, depending on how many medical examinations are taken.
Apart from the increasing number of checks, hospital facilities also affect this price, for example the room class selected.
Is medical check-up covered by health insurance?
Private health insurance
Each insurance company has its own policy regarding medical check-up costs. There are insurers that provide medical check-ups, some make medical check-ups a requirement before joining insurance, and some also cover medical check-ups with applicable terms and conditions.
In fact, there are more private insurers that do not cover medical check-ups. Because, the purpose of the MCU is not for urgent needs such as diagnosing disease and treatment but to see health status.
Some private insurers require to conduct MCU in advance to see how the prospective participants are, this is related to the premium to be paid.
Sometimes the results of the MCU are used as an illustration of the insurance company to find out about the risks it has to finance with participants like this.
For example, if your MCU results are slightly abnormal, it will change the amount of premium the insurance provider initially offers.
This policy will vary in each private insurance, the example above is only one of them. To be more certain, check with the private insurance company that you have.
Government health insurance
In government insurance (BPJS health) medical check-ups are not covered at all. Because the purpose of a medical check-up is not to diagnose a symptom or sign that appears on your health. Therefore, checking the MCU is not considered an urgent matter.
If there are certain medical indications that require you to do a test, then it will be covered. If from a healthy condition, then you want to do a complete lab check, and other checks as a whole are not covered.
Even so, there are some early examinations (screening) that can be done free of charge with BPJS Kesehatan. Screening is not an overall examination like the MCU, but focuses on one condition.
Reported on the BPJS Health page, one that can be checked early for free is 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 Kesehatan also provides free screening for diseases that are the focus of public health control, namely type 2 diabetes mellitus and hypertension. If you want to check yourself for type 2 diabetes mellitus or hypertension you can follow this screening.
