checkup

Actually, if the insuree is rational, it especially makes sense for the insurance company to pay for the annual checkup.

My wife ends up spending 3 months after any medical procedure more than just a checkup fighting with billing departments and insurance.

You may want to get a checkup from an optometrist.

You're absolutely right, but there's one problem: it's hard to get in for an immediate checkup and there's a good chance he'll forget about scheduling one.

If an annual checkup reduces the risk of a high-value payout then it makes very much financial sense for the insurance company to pay for the annual checkup for you, as an incentive for you to get one.

The local regulations also ensure that the vehicle that is used is road worthy even in places that do not require a yearly checkup for all vehicles.

In fact, if the average insuree is very unlikely to pay directly for an annual checkup and the annual checkup helps to reduce the likelihood of high-dollar-value insurance claims, then it is reasonable for a "free" annual checkup plan to be cheaper than one that does not offer such "free" benefits.

If the insurance company only covers me when I get really sick, I lose money by going for the annual checkup -- I'm "better off" waiting to get really sick, and then having them cover all of my expenses.