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 Policybazaar.com-

• 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. Mental Wellness Plan

   Apart from accessing mental health podcasts, employees can also avail the benefit of the '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

2. Specialist E-Consult Plan

   Another complementary benefit offered under OPD cover in the group insurance policy at Policybazaar Insurance Brokers Private Limited 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.

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.

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 Policybazaar Insurance Brokers Private Limited. With an OPD cover in the group mediclaim policy, an employee can benefit from the best outpatient treatment without dealing with financial stress.