Group Health Insurance OPD Cover

Due to a growing sedentary lifestyle and rising chronic diseases, medical expenses can burn a hole in your pocket. With the rising healthcare cost, it is a smart decision to choose group health insurance with OPD cover for your employees. Read this article to understand the benefits of group health insurance OPD cover.

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#Premium may vary on the basis of coverage type & add-ons
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*Premium starting from ₹110/Employee/Month for ₹1 Lac Sum Insured covering Health & Wellness Needs (excluding GST)
#Premium may vary on the basis of coverage type & add-ons
**All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

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Disclaimer: The above plans and premiums are for 1 Lakh sum per life per month covering Health and Wellness needs of 7 Employees, 5 Spouse & 2 Kids below 35 years of age. The premium is inclusive of GST and do not cover PEDs & Maternity. Standard T&C Apply PolicyBazaar does not rate, endorse or recommend any particular insurer or insurance product offered by the insurer.

OPD Cover in Group Health Insurance

Group mediclaim OPD cover refers to those medical expenses which do not need hospitalisation. OPD refers to Outpatient Department. For example- if you have high fever, you will visit the OPD in the hospital.

To diagnose the issue, you might go through the lab test and buy medicines from the pharmacy to treat the medical issue. To avail of these services, you pay for consultation fees of the doctor and lab tests.

At Policybazaar Insurance Brokers Private Limited, you can buy OPD cover in the group insurance policy that includes discounted doctor consultation and other medical expenses.

Benefits of OPD Cover

At Policybazaar Insurance Brokers Private Limited, you can compare multiple plans offered by 20+ group health insurance companies to cover your employees & their families from all healthcare emergencies. Here is a list of benefits associated with OPD cover in a group health insurance policy purchased from

  • Getting discounted OPD consultations, diagnostic charges, and pharmacy bills
  • Benefits for those patients who might have to visit OPD regularly
  • Get the prescription and book tests in a few minutes
  • Reducing the financial stress for those suffering from pre-existing illnesses or chronic conditions that might require multiple OPD visits.

Inclusions of an OPD

Here is a list of inclusions of OPD in group insurance policy-

  • Discounted OPD Consultations
  • Discounted lab tests
  • Discounted medical bills
  • OPD treatments

Exclusions of an OPD Cover

To know what is excluded from the OPD cover in group health insurance, go through the below list-

  • Treatments for beautification, detoxification, purification, etc.
  • Cost of lenses, spectacles, hearing aids, etc.
  • Out patient department (OPD) treatment outside the location mentioned in the policy
  • Immunisation vaccines
  • Sterility and infertility
  • Services availed for body rejuvenation

However, you must check the terms and conditions of the group health insurance plan before availing its benefits.

Complimentary Benefits in OPD Cover

By availing the OPD cover under a group health insurance policy from Policybazaar Insurance Brokers Private Limited, you also get complimentary benefits-

  1. Care 360 Plan

    Under this 360 Plan, your employees can consult with a general physician within 15 minutes viaE-consultand get their medical issues diagnosed even from home. Moreover, they can add their dependents to the policy and avail unlimited consultations. However, e-prescription and case file summary or medical report will be shared on the VISIT app and by email after every consultation.

    To keep the organisation fit and motivated towards the work, another health benefit given is 'Wellness Benefit'. Under this, employees can keep an eye on their daily steps, calories, and sleep patterns by tracking them on the VISIT app while earning the'FITCoins'. These coins can be redeemed on the marketplace to purchase food, beverage, electronics, and e-commerce vouchers of Amazon, Myntra, etc.

    Digital Fitness Programis an additional benefit offered in Wellness Benefits. Here your employees can watch videos and take a step toward their fitness journey. They can explore their interest in yoga, dance, flexibility & mobility, and strength gain & muscle building with world-class trainers and inspirational videos. The employees can get access to unlimited digital fitness & yoga classes on In-App videos.

    To raise awareness of the mental health continuum and work towards the betterment of employees, your employees can choose theMental Health Podcasts.With this, they can enhance their work-life balance, personal growth, anxiety & stress management, self-care, and mental well-being.

  2. Mental Wellness Plan

    Apart from accessingmental health podcasts,employees can also avail the benefit ofthe 'Care Mental Wellness Plan'.The plan focuses on the mental health of the employees. Here they can connect with experienced psychologists in India through unlimited video or telecalls.

    As you know, the employees also have financial stress & legal problems which destroy their professional as well as personal life. To counter this problem,’Care Mental Wellness Plan'offers financial and legal advice from industry expert. Also, this helps the distressed employees by getting them out from daily stressful situations. This plan also covers the following benefits-

    • Consultation within 15 minutes with General Physician (GP)
    • Wellness Benefits along with FITCoins to buy goodies
    • Unlimited Digital Fitness & Yoga Classes on In-App Videos
    • Personalised Mindfulness, Meditation Podcasts & Interactive Sessions on In-App Podcasts
  3. Specialist E-Consult Plan

    Another complementary benefit offered under OPD cover in the group insurance policy at is the Specialist E-Consult Plan. This plan offers the employee and their 5 dependents unlimited online consultation with the top specialist in India. The employee can get access to over 16 different types of specialists, including- dermatologists, neurologists, general physicians, diabetologists, gynecologists, gastroenterologists, cardiologists, ENT specialists, pediatricians, pulmonologists, dieticians, nephrologists, sexologists, orthopedics, urologists, and ophthalmologists.

    There are 2,500 doctors available on the call for e-consultation through video call, voice call, or chat. After booking a consultation on the'VISIT App',the member will receive a callback from the respective doctor in less than 30 minutes.

    Here, e-prescriptions and reports will be shared on the VISIT app and by email after doctor consultation. The members can book the recommended laboratory tests and order the prescribed medicines from the pharmacy available on the App at a discounted rate. However, each consultation is valid for 7 days, and the member can follow up with the doctor as per the prescription.

Add-on Cover in OPD Cover

Here is the most important add-on cover offered in OPD cover under group health insurance policy which can be availed by paying a little extra premium-

  1. Health Check-up Plan (Rs 649/year/employee + GST)

    This plan covers the employee + 5 dependents at just Rs 649/year + GST. The employee can avail the benefit of this plan for himself/herself or one of his dependents.

    The employees can use the VISIT App to book their annual health check-ups at any of the Care's partner diagnostic laboratories, including SRI, Apollo Diagnostics, and PathKind.

    However, they are flexible to choose a convenient date & sample pick-up time from the diagnostic centre nearest to their residence. The lab report and test reports will be sent to the insured members' registered email IDs and will also be available on the VISIT App.

Final Words

A group health insurance with OPD cover is the need of the hour for the employee to ensure that they are covered at all times. As an employer, you can also buy add-on cover with your standard group insurance policy for OPD care. It is an affordable deal at With an OPD cover in the group mediclaim policy, an employee can benefit from the best outpatient treatment without dealing with financial stress.

Written By: PolicyBazaar - Updated: 02 August 2022
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