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Health Insurance 8872 views December 26, 2019
Health Insurance Plan with OPD Cover is an additional benefit which relieves you from the stress of additional expenses. OPD stands for Out-Patient Department. It is not always necessary that in case of an illness, you need hospitalisation. Mostly, consultation to the doctor, diagnosis and treatment are done which lead to high expenditure without a hospital stay. Out-patient department or OPD cover this expenditure which is incurred without an actual stay in the hospital but in illness which includes various procedures for its cure. It saves the policyholder from the increasing outpatient care expenses. In OPD, the out-patient care expenses are taken care of by a separate department which pays all the additional expenses that account for about 62% of overall health care cost.
OPD includes consultation fees of doctors, the medical pharmacy bills, expenses of pre-emptive check-ups, diagnostic test expenses, dental treatment of the insured, health check-up cost, etc. OPD or outpatient department cover is a new and attractive feature which is offered as a part of the health insurance policies from various insurance providers which include Apollo Munich, ICICI Lombard, ManipalCigna, Bajaj Allianz, etc.
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When you are looking for best health insurance with out-patient cover, you should go for those health insurance providers who are offering more than cover hospitalisation expenses. Health insurance plan with an outpatient department is an ideal package for people who have OPD expense requirements. The best health insurance plan must have costs regarding the following which should not go disregarded during your selection of a health insurance policy in order to make the most benefit of the policy.
The ProHealth Accumulate plan offered by ManipalCigna provides outpatient cover which includes dental treatment, consultation fees, optical care expenses, the pharmacy bills, and many more.
This plan has a feature that provides the plan holder with the benefit of a “Personal Health Wallet” that helps you to pay for all your OPD expenses and keep your accumulated amount/fund in the wallet.
It also provides additional benefit to policyholders of 5% hike on the amount which is available in the digital personal health wallet.
Features and Benefits of ManipalCigna PreHealth Accumulated Plan
The platinum variant of Niva Bupa Heartbeat Health Insurance covers Outpatient department expenses. It is a comprehensive plan for an individual as well as his family which allows carrying forward 80% of the unutilised outpatient treatment cover in a policy year. OPD expense is covered only under the platinum variant of insurance policy by Niva Bupa which range from Rs 10,000 up to Rs 40,000 depending upon the sum assured.
Benefits and features of Niva Bupa Heartbeat Health Insurance
Maxima is India’s first 360 degrees plan which is offered by Apollo Munich Health Insurance (Now HDFC ERGO) Company. It is offered to an individual and a family. This is the most comprehensive health insurance plan with OPD cover in India. The family cover under this plan comes under floater basis, available only for 2 adults/2 adults+ 2 children. The most important benefit provided by the plan is the outpatient department, being the first Indian plan covering both the inpatient and outpatient medical expenses. Maxima plan provides coupons which can be used for a free consultation with any general practitioners or physicians or gynaecologist or paediatricians.
|Type||Total Number of Consultancy Coupons Provided||OPD Benefits||Health Check-up Facility annually within a specified network|
|1 Individual||4 Coupons||Diagnostic Test, dental treatments, pharmacy bills, contact lenses, spectacles expenses= Rs 5,000||1 Entitlement Certificate|
|2 Adults||6 Coupons||Diagnostic Test Expenses, spectacles expense, pharmacy bills, contact lens, dental treatment= Rs 5,500||2 Entitlement Certificate|
|2 Adults + up to 2 Children||8 Coupons||Pharmacy bills, spectacles and Contact lens expense, Diagnostic test, dental treatment= Rs 7,000||2 Entitlement Certificate|
Features and Benefits of Maxima Health Insurance Plan
The Tax Gain Plan is a family floater health Insurance policy offered by Bajaj Allianz Insurance Company. It provides cover for out-patient expenses as well as hospitalisation expenses both under a single policy plan. Tax Gain Plan is a good option for people who are looking outpatient department cover along with tax management. It provides the policyholder with cashless facility through a wide network of hospitals across the country.
Features and Benefits of Bajaj Allianz Tax Gain Plan with OPD cover
So, if you want coverage for OPD expenses, choose health insurance plan with OPD cover benefits and get covered for the minor expenses too.
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