Health Insurance Plans with OPD Cover

Costs related to diagnostic tests, medicines and treatment of minor ailments can strain your income. OPD insurance can shield you from the rising costs of such medical bills. On Bajaj Markets, you can get health insurance with OPD cover starting at ₹160 per month.

OPD (Outpatient Department) is the section in a hospital where your health issues are evaluated through diagnosis, treatment, and consultations without being admitted for an overnight stay.

OPD cover refers to coverage by insurers for the expenses incurred during OPD treatment, which includes consultations with doctors, health screenings and medicines. Certain insurance policies do not provide it as a full-fledged offering, but you can add it with an additional premium.

Outpatient treatments cost more than annual inpatient treatment, as per a study by Niti Aayog, Harvard University, and the Indian Institute of Population Sciences. A comprehensive insurance plan with an OPD cover can help identify potential ailments early when treatment is simpler and more affordable.

Here is an overview of the health insurance policies with OPD coverage you can get on the platform:

Disclaimer: The above-mentioned details are indicative and subject to change as per the insurance provider’s latest updates.

Health insurance plans with coverage for outpatient treatments provide financial relief against rising medical inflation. Here are a few other advantages:

• Comprehensive Access to Healthcare: With cashless OPD coverage, you can get access to a broader range of medical care facilities

• Timely Medical Attention: Many insurance plans with this add-on offer instant medical care for minor illnesses at reputed healthcare institutions

• Preventive Care: OPD coverage encourages preventive care, which enables treatment before a disease worsens and requires critical care

• Financial Ease: This coverage mitigates the need for out-of-pocket payments for regular OPD visits, which can be substantial in the long run

• Tax Benefits: These plans also allow you to enjoy tax deductions towards the premium paid

Health insurance with OPD coverage offers a comprehensive range of benefits that can safeguard your health and finances. Here are the things to consider:

• Scope of Coverage: Ensure that your plan covers expenses such as consultations with doctors, prescribed medicines, lab tests and more

• Sum Insured: Choose the maximum amount you can claim against OPD expenses in a policy year carefully to prevent paying out-of-pocket

• Cashless Claims: Consider an insurer that offers a simple and hassle-free process to file claims

• Wider Network: Check if the plan has your preferred medical facilities in its network for convenience and trusted healthcare 

• Claim Settlement Ratio: Look for an insurer with a high CSR, which indicates higher chances of approval when you file claims with smooth settlement as well

• Additional OPD Benefits: Some insurance plans may offer coverage for physiotherapy, vision, and dental care also

Here are some of the standard inclusions in an OPD cover:

• Access to telephonic consultations with doctors

• Costs of doctor consultations, including specialists

• Diagnostic examinations and laboratory tests

• Physiotherapy sessions and alternative therapies

• Bills for prescription medicine

• Routine health check-ups

Check the inclusions in your chosen plan to ensure it covers most of these expenses. 

OPD insurance plans generally do not cover these medical expenses:

• Treatment of injuries caused by participating in illegal activities

• Medical expenses arising due to substance abuse

• Costs related to cosmetic surgery and treatments

• Medical treatment for self-inflicted injuries

Certain insurance plans also do not include coverage for pre-existing periods during the waiting period. Check this before you sign up for your policy.

You can easily assess, compare, and select a health insurance policy with an OPD coverage on Bajaj Markets. Follow these steps:

1. Go to the ‘Health Insurance Premium Calculator’ page

2. Fill in details like your age, address, and phone number

3. Click on ‘Get Quote’ and see the comprehensive plans with OPD cover available

4. Select one that best suits your requirements and add the required riders

5. Based on your choices, the premium amount you are required to pay will be displayed on the screen

Modify your choices to compare the premiums and select the right plan.