Health Insurance With OPD Cover

The OPD cover in health insurance refers to the coverage of the expenses related to outpatient treatment. It makes sure that the health insurance provider covers the medical expenses of the covered person incurred even without hospitalization. Most health insurances do not provide an OPD cover, and are usually available only as an add-on cover. Some companies of health insurance provide OPD insurance cover along with their basic plan. Check out the details of the OPD health insurance plans with their features and coverage benefits.

 

Out-patient Treatment, commonly referred to as OPD, is a type of medical treatment that does not require you to get hospitalised. OPD treatments cover doctor consultations, diagnostics, and minor treatments that can be completed without hospitalisation. All hospitals have a dedicated out-patient department to take care of patients who do not need hospitalisation. 

The OPD cover in health insurance refers to the coverage of the expenses related to outpatient treatment. It makes sure that the health insurance provider covers the medical expenses you incur even without hospitalisation. 

 

Most insurance plans do not provide an OPD cover health insurance, and these are usually available as an add-on cover. Some top health insurance companies provide OPD health insurance cover along with their basic plan.

 

Similar to other covers available for health plans, OPD cover in health insurance plans are designed to provide you with financial assistance for health-related issues. With medical inflation consistently on the rise, even a simple and brief doctor consultation could leave your pockets significantly lighter.

 

So, it is important to check if the policy you choose has OPD cover. This cover includes consultation with doctors, dental treatments, diagnostic tests, treatment for fractures, pharmacy expenses and more. 

 

Disclaimer: The premium costs are subject to change as per the issuer. 

 

 

It is easy to assess, compare, and select a health insurance policy with OPD cover by following the steps mentioned below.

 

• Click on the Check Plans button mentioned on the top of the page.

• Enter all the necessary information in the application form

• Select a health insurance policy that includes an OPD cover

• Add the health insurance add-on covers you wish to include in the policy

• Get a quote for the policy

• Check the policy terms and the quote for premium

• Pay the premium online if you want to proceed

• Await email confirmation 

   

This is all you need to do if you want an OPD cover in health insurance.

Here are the most common inclusions and exclusions under an OPD cover in a health insurance policy.

It may seem like the most critical aspect of a health insurance policy is related to

 

hospitalisation expenses and the pre- and post-hospitalisation costs. However, not all medical conditions or treatments require you to be hospitalised. In fact, a majority of medical treatments are categorised as out-patient treatments.

 

Whether you are visiting the doctor for a regular check-up or getting a cast on your fracture, the expenses can be substantial. This is why you must select a health insurance policy with OPD cover. If you need to get OPD treatments on a regular basis, buying health insurance with OPD cover is highly advisable.

Everyone can benefit from an OPD cover in health insurance policy; however, here are specific individuals who should prioritise this. 

• Young people

Since health insurance is relatively cost-effective for individuals between the ages of 20 and 45, it is advisable to select a policy with a wide coverage as possible. This includes a cover for out-patient treatments.

• Senior Citizens

Ageing entails a distinct set of health-related challenges. This is why senior citizens must choose a health insurance policy that comes with an OPD cover.

There is no specific eligibility criteria to buy an OPD cover in health insurance. An OPD cover is a usual part of a standard health insurance policy. So, the eligibility criteria for the policy applies to all the covers contained therein.

 

As long as you fulfil the eligibility criteria for a particular health insurance policy, which comprises coverage for OPD treatments, you will not be required to meet any additional terms. 

You can avail the OPD cover benefits in your health insurance policy by filing a claim. This can either be cashless or a reimbursement claim.

• Cashless Claim for an OPD cover in Health Insurance

If you wish to receive out-patient treatment at one of the network hospitals of your health insurance provider, inform your insurer within the specific time as mentioned in the policy and file a cashless health insurance claim. 

 

You can get the form for such a claim at the hospital. By availing a cashless health insurance claim, you will not need to pay any amount for your treatment out of pocket. The bill shall be directly settled between the hospital and your health insurance provider.

• Reimbursement Claim for an OPD cover in Health Insurance

If you have received OPD treatment at a non-network hospital, then you can file a reimbursement claim for the expenses. Inform your health insurer within two days from the date of receiving the treatment. 

 

Submit the duly filled reimbursement claim form and the required supporting documents to the insurer. After the verification of your claim form and the supporting documents, the insurer shall settle the claim. 

 

Out-patient treatments are common and carry significant expenses. If you wish to have comprehensive health insurance coverage, getting an OPD cover in health insurance is ideal. If you are looking for the right health insurance plan, browse through top budget-friendly policies on Bajaj Markets. Select an OPD cover in health insurance plan that best suits your requirements.

Health Insurance Plans Available at Bajaj Markets