5 min read
Updated on Nov 13, 2022
In times when healthcare costs are ever skyrocketing, health insurance definitely comes as a boon. It is only through insurance that one can even hope of sailing through the financial strain resulting from a medical emergency. However, health insurance has conventionally been known to provide financial coverage only for expenditure on hospitalization. Now, such situations are rare, however, financially stressful. The more common occurrences can be seen in Out Patient Department (OPD) visits, the expenses of which were generally not covered under insurance until now.
With the new health insurance with OPD cover benefit introduced by most health insurance providers, policyholders can heave a sigh of relief. A number of small but considerably significant regular OPD expenditures can now be taken care of, releasing the financial load on your pocket to a slight extent. Let’s learn more about this new feature below.
A number of health insurers have come up with a new and unique insurance cover feature known as health insurance with OPD cover. A few examples include Bajaj Allianz, Apollo Munich, Cigna TTK, and ICICI Lombard. This benefit has been designed keeping in mind that conventional health insurance plans fail to cover beyond the scope of hospitalization expenses for the insured.
This means that expenditure incurred on more regular OPD requirements such as doctor consultation fees, pharmacy bills, diagnostic tests, and the like, fail to be covered by insurance. With the OPD insurance benefit, one can now avail insurance cover for OPD-related expenses as well.
Here are some of the top advantages of the OPD cover for the policyholder:
Now that we know the benefits of availing the OPD cover under health insurance, let us look at some of the best health insurance with OPD coverage plans:
Wrapping it Up
Hospital expenditures can put a heavy burden on one’s pocket and if these expenses need to be incurred more than once in a year, the load can be quite stressful. This is why health insurance plans offer hospitalization expenses to the insured. However, the need for hospitalization may be quite limited in the life of the policyholder. The more common expenses are incurred on OPD such as consultation with the doctor, taking diagnostic tests, and buying medicines from the pharmacy.
This is why the new feature of health insurance with OPD cover has been introduced, thereby releasing the load on the insured. To look for the best OPD health insurance in India, check out PayBima that provides details on the top health insurance plans providing the OPD cover benefit.
Health Insurance #PayBima Hai Naa
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PayBima is an Indian insurance aggregator on a mission to make insurance simple for people. PayBima is the Digital arm of the already established and trusted Mahindra Insurance Brokers Ltd., a reputed name in the insurance broking industry with 17 years of experience. PayBima promises you the easy-to-access online platform to buy insurance policies, and also extend their unrelented assistance with all your policy related queries and services.
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