Not all diseases need you to get admitted to the hospital. For some diseases, you just need to consult with your doctor. We do not realize but we end up paying high bills on such consultations. The easiest way to save some money on that is to buy a cover of OPD health insurance. All your consultation fees that have to be paid to the doctor and the medicine costs can be covered under this policy. So, let us first discuss what an OPD is and then move to the importance of one such cover.
What is OPD?
OPD or Outpatient Department is a separate department that you will find in any hospital where patients are not admitted but undergo small treatments. Usually, patients who visit a hospital, straightly go to the OPD first, and then it is decided in the OPD where the patient will go. The kind of treatments that are done at an OPD is the diagnosis, diagnostic tests, and even minor surgeries. For any of these, patients do not need to be hospitalized.
What are the benefits of OPD coverage in Health Insurance?
A health insurance policy is one of the most important things that you should buy. It will take care of all of your medical needs. However, buying an OPD cover will give you double the benefit as even the OPD charges will be covered under the policy. As you opt for a health insurance policy with OPD coverage, you will get several benefits. Here are some of them mentioned below:
- When you have an OPD cover, you will be able to claim your medical costs even on a non-emergency visit to a hospital.
- An OPD cover provides coverage for high medical bills. This is especially good for people who have a certain quota of medicines to purchase each month.
- This is very helpful for people who regularly visit hospitals for OPD consultation as well as check-ups.
- With an OPD cover, you do not have to pay the bills directly from your pocket and it can add a lot to your savings.
Lately, several health insurance companies came up with policies that provide health insurance with OPD coverage. To make things easier for you, here we are mentioning a few of the OPD health insurance plans in India.
Apollo Munich Maxima
The Maxima Health Insurance offered by Apollo Munich comes with OPD insurance coverage for day-care costs along with a cashless facility for dental care, diagnostic tests, pharmacies, and optical care. The minimum entry age for the policy is 91 days while the maximum is 65 years. The policy includes in-patient treatment, pre-hospitalization, post-hospitalization expenses, maternity expenses, daycare procedures, and many more. You can even get complimentary health check-ups in any of the network hospitals.
Bajaj Allianz Tax Gain Plan
Tax Gain Plan from Bajaj Allianz offers coverage not only for hospitalization but also for OPD costs. In addition to this, the plan also provides personalized service for senior citizens, ambulance cover, cashless claim facility, co-payment waiver, and many more. Policyholders can also enjoy tax benefits under section 80D of the Income Tax act. And as per the healthcare needs of the policyholders, affordable premium options are provided which start from INR 5000.
Aditya Birla Activ Health Enhanced Plan
Aditya Birla Activ health enhanced plan is a single policy under which several things are covered such as Health Insurance, Chronic Care cover, and Wellness benefits. You can also get coverage for modern treatment methods which include dental consultation, mental illness hospitalization, oral chemotherapy, robotic surgeries, and many more. As per the wellness program, if you stay healthy, you will be able to earn up to 100% of the premiums. The sum insured ranges from INR 2 lakh to INR 2 crore.
If you wish to know about more such health insurance plans with OPD cover, you can visit the IIFL website.
