An executive physical in the US usually costs between $2,500 and $10,000, and insurance rarely pays the programme fee. Here is what drives that price, what you actually get for it, what an HSA can cover, and what a three-day assessment in India costs by comparison.
$2,500 to $10,000+Typical US price
Concierge-style executive physicals tend to start at around $2,500 to $4,000. Flagship one or two-day hospital programmes can pass $10,000, and a full-body MRI on its own adds about $2,500 to $4,000. Most of this is paid out of pocket or by an employer.
What an executive physical costs in the US
An executive physical, also called an executive health assessment or executive health exam, is a longer, more detailed version of the annual check-up: more time with a doctor, broader blood work, heart and cancer risk screening, and often imaging and specialist consultations, usually completed in a single day. Prices vary widely because programmes do very different amounts of work. Broadly, they fall into four levels.
1
Routine annual check-up
Often $0 in-network
A short visit with your own doctor. Most insurance plans cover set preventive services and recommended screenings with no copay.
2
Concierge executive physical
About $2,500 to $4,000
Longer doctor time, advanced blood tests and screening for heart disease and cancer risk, often tied to an annual membership.
3
Flagship hospital programme
Up to $10,000 or more
One or two days of coordinated tests, imaging and consultations with several specialists at a major medical centre.
4
Adding a full-body MRI
About $2,500 to $4,000 more
Sometimes added to a programme, sometimes bought on its own. It is typically not covered by insurance, and it is a single scan, not a health assessment.
Current ranges are based on our review of fees published by US hospital-based and concierge executive health programmes in November 2026. Many large medical centres do not publish a fixed fee and quote individually. A 2019 JAMA study of 50 top-ranked US hospitals, a useful historical benchmark, found package prices from $1,700 to $10,000. MRI costs are from the Radiological Society of North America, reported by ABC News.
Why the price varies so much
Two programmes with the same name can be very different. Four things account for most of the gap.
- Doctor and specialist timeThirty minutes with one physician costs far less than a day of consultations with a cardiologist, a radiologist and others.
- ImagingMRI, CT (here is how the two differ) and advanced heart scans are the most expensive parts of any assessment, and they are where prices climb fastest.
- City and settingA flagship medical centre in a major city charges more for the same test than a smaller practice.
- Follow-up and membershipSome programmes hand you a report. Others build in a year of access to a doctor, which is often priced as a separate membership.
Will insurance or an HSA pay for it?
Under the Affordable Care Act, most plans cover certain preventive services, such as recommended screening tests, with no copay when you use an in-network provider. An executive physical goes far beyond that list, so the programme fee is almost always self-paid or covered by an employer as a benefit.
Health savings accounts (HSAs) and flexible spending arrangements (FSAs) are more promising, but only for the medical part. Both can pay for qualified medical expenses as the IRS defines them in Publication 502, with Publication 969 explaining how they apply to HSAs and FSAs. That list includes "an annual physical examination and diagnostic tests by a physician", and you do not need to be ill at the time. An employer's FSA plan can be narrower than the IRS list.
May qualify
- The physical examination and diagnostic tests
- Travel primarily for and essential to medical care
- Lodging while receiving medical care, within IRS conditions and up to $50 a night per person
Will not qualify
- Leisure days, sightseeing and the river cruise
- Hotel costs above the IRS limit
- Anything your plan has already reimbursed
Plans differ, including on care received abroad, so check with your plan administrator or a tax adviser before you rely on it.
Is an executive physical worth it?
It depends on what you get, not what you pay. The most useful assessments are led by doctors, matched to your age and risk factors, and end with someone explaining in plain language what your results mean and what to do next.
More tests are not automatically better. The American College of Radiology says there is insufficient evidence to recommend whole-body screening for people without symptoms, and in one US hospital screening programme about three in ten people needed some follow-up, mostly for findings that were not worrying in themselves. A comprehensive assessment is not the same as scanning everything: the right tests depend on your history, age and risk factors, and on a physician's judgement. Imaging is most valuable as part of a wider assessment, where specialists can read the results alongside your blood work, history and examination. Our look at 3 Tesla MRI in a full body assessment explains what a high-field scan can and cannot show.
It also helps to be clear about what any health check is. Screening looks for early signs and risk factors. It does not diagnose. If something is found, it should be followed up properly with the right specialist.
A three-day assessment in India, organised by a UK team
First Health Check is a UK-based company created for people who live outside India and want a thorough preventive health assessment there, without having to work out the details alone. We have vetted BAPS YM Hospital in Ahmedabad, India, ourselves, so you do not need to research hospitals, compare specialists or find a hotel and driver in a country you may never have visited. You deal with one team from your first enquiry, and you simply choose your dates. If you have been weighing up an executive health exam overseas, that removes the hardest part.
It is not a one-day rush. Over three calm days, you are seen individually by 17 specialists, one at a time, with your scans carried out at GIC Prime Imaging Centre. You can see how your days at the hospital are structured and meet the medical team.
Your 17 specialists, by area
Gold
$4,000
£3,000
See what's included
Diamond
$5,330
£4,000
See what's included
Platinum
$6,660
£5,000
See what's included
Gold, Diamond and Platinum are our three assessment tiers. Prices are set in pounds sterling. Dollar figures are approximate (based on the exchange rate when this article was published). International travel is not included.
Every tier includes the same care around the assessment itself:
You can compare all three assessments side by side to see which suits you.
What the journey from the US feels like
Ahmedabad, India, is about 7,500 miles from New York and 8,400 miles from Los Angeles, nearly twice the distance from London. Going somewhere new, that far from home, for a health assessment can feel daunting. Clients who have travelled from the US often tell us that was their biggest worry before they booked.
What they remember afterwards is that they were never left to work things out alone.
A member of our team is with you from the moment you arrive to the moment you leave.
Ahmedabad itself may be new to you, but it is no longer an unknown. In 2017 it became India's first UNESCO World Heritage City, and in November 2025 it was confirmed as host of the 2030 Commonwealth Games. Because the journey is long, many of our US clients add a few days before or after their assessment to see more of India, often places they have wanted to visit for years. If you are new to the idea, our overview of medical tourism in India is a good place to start.
What happens after your assessment
Your results do not end with a conversation. Everything is put in writing, in English, for you and for your own physician at home.
1
On your final day
A senior physician sits with you and goes through every result in plain English. You leave clear about what was found, with every question answered.
2
Your written report
You receive your full report by email and as a printed copy from First Health Check, including your results, scans and findings.
3
Ready for your own physician
The report is written so you can hand it straight to your physician at home. If anything needs action, the next steps are set out clearly for them to take forward.
4
Once you are home
You can contact First Health Check just as you did before you travelled. If your physician needs anything not covered in the report, we will help.
Any follow-up care then takes place at home with your own physician, unless you choose to arrange it in India.
Our clients also ask
How much does an executive physical cost in the US?
Most executive physicals in the US cost between $2,500 and $10,000. Concierge-style programmes usually start at around $2,500 to $4,000, while flagship one or two-day hospital programmes can cost $10,000 or more, especially when advanced imaging is included.
What is an executive physical?
An executive physical is a comprehensive preventive health assessment that goes well beyond a routine annual check-up. It usually combines a detailed examination, extensive blood tests, heart and cancer risk screening and consultations with specialists, so you leave with a complete picture of your health.
Does insurance cover an executive physical?
Usually not. Most plans cover certain preventive services and recommended screenings with no copay when you use an in-network provider, but the executive physical programme fee is normally paid by you or your employer.
Can I use my HSA or FSA to pay for it?
Potentially, for the medical part only. IRS Publication 502 lists an annual physical examination and diagnostic tests by a physician as a qualifying medical expense, but eligibility depends on your plan, and travel, accommodation and leisure costs are treated differently. Check with your plan administrator or tax adviser before relying on it.
What is the difference between an executive physical and an annual physical?
An annual physical is a short visit with your own doctor. An executive physical adds far more doctor time, broader blood tests, heart and cancer risk screening and often imaging and specialist consultations, all coordinated in one place.
Who should get an executive physical?
Executive physicals tend to suit people who want a more comprehensive review of their health than a routine check-up offers, particularly those with a family history of heart disease or cancer, other known risk factors, or little regular contact with a doctor. The right tests depend on your circumstances and should be guided by a physician. It is not a substitute for seeing a doctor about symptoms.
What is included in an executive physical?
Most include a detailed medical history and examination, comprehensive blood tests, heart checks such as an ECG, and screening for cancer and metabolic risk. More comprehensive programmes add imaging such as ultrasound, CT or MRI and consultations with several specialists.
How long does an executive physical take?
Most US programmes are completed in one day, and some run over two. Our assessments in India take place over three days, so you are seen by each specialist individually without being rushed.
How often should you get an executive physical?
There is no single rule. Most programmes are designed to be repeated every year or two, and sooner if a result needs monitoring. The specialists who review your results are best placed to advise on the right interval for you.
Is a full body scan worth paying for?
On its own, the case is weak. The American College of Radiology says there is insufficient evidence to recommend whole-body screening for people without symptoms, and in one hospital programme about three in ten people scanned needed follow-up. Imaging is most useful within a doctor-led assessment, where specialists interpret it alongside your other results.
Is it safe to have a health check in India?
Our clients are assessed at BAPS YM Hospital, which is accredited by NABH, India's national hospital accreditation body, with scans at GIC Prime Imaging Centre. A First Health Check team member is with you from the moment you arrive to the moment you leave.
What happens if the assessment finds something?
Your senior physician explains it on your final day, and your written report sets out the recommended next steps clearly for your own physician at home to act on. If your physician needs more information after you return, First Health Check will help.
Worth the journey
Three days, 17 specialists, from about $4,000 all‑inclusive.
We take you to India for a thorough full body health check, where you'll be seen by 17 individual specialists. Your five-star hotel, private chauffeur and local sightseeing are all included.
Want the inside view? Book a no-obligation consultation for a clear insight into our preventive programmes: exactly what we do, what we offer and whether it is right for you.
Sources: Published US executive physical prices (November 2026); Korenstein et al., JAMA (2019), executive physicals at 50 top-ranked US hospitals; ABC News (7 May 2026), citing the Radiological Society of North America; RSNA News (July 2026) and the American College of Radiology on whole-body MRI screening; IRS Publications 502 and 969 (2025); HealthCare.gov preventive care benefits; UNESCO World Heritage inscription of the Historic City of Ahmadabad (2017); Commonwealth Sport (26 November 2025); exchange rate at the time of publishing. This article is for general information and is not medical, tax or financial advice.
