Insurers have invested substantially in value-added services to improve their engagement with health policy subscribers. Towards this end, many health insurance policies provide for an annual complimentary health check-up. Unfortunately, most policyholders aren’t aware of this feature. The ones in the know often ignore it because of the perceived hassles involved. I decided to avail the free health check-up embedded in my insurance—provided by one of the largest private sector general insurers— and test the user experience.