Preventative health saves more resources than reactive health (i.e. catching cancer early as opposed to when it display symptoms). One of the big problems of healthcare insurance in the U.S. is treating it like car insurance - a numbers game of reactions to accidents.
Some insurance policies cover 100% of annual checkups but it still trains people to avoid going to the hospital.
It's not that different, though. Preventative measures show up in many insurance contexts (although I guess usually as a premium discount, not as being paid for by the insurer): fire alarms, and training for motorcyclists and pilots, come to mind.
Wouldn't insurance companies want people to get preventative care over reactive care, to lower their own operating costs? I know that Cigna is a big proponent of this, but I can't think of any others that do the same.
Preventative health saves more resources than reactive health (i.e. catching cancer early as opposed to when it display symptoms). One of the big problems of healthcare insurance in the U.S. is treating it like car insurance - a numbers game of reactions to accidents.
Some insurance policies cover 100% of annual checkups but it still trains people to avoid going to the hospital.