Rahul-a Delhi-based banker was out for a week vacation with his family. Everything went well until his father met with an accident and broke his leg. This made Rahul to put a halt on his vacation to return to Delhi. It goes without saying that the treatment his father had to gone through did cost Rahul an arm and a leg during hospitalisation. Even after getting his father discharged, he ended up paying a huge amount for every OPD visit.
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This could be you as well if you don’t plan your finances well. And when it comes to planning your financial portfolio, health insurance becomes an imperative choice to be added. Health insurance is not a new term. With medical expenses soaring at a rapid pace, people have started opting for health insurance plans in India to get financial assistance. But very less people are aware of its advanced features. One such feature is health insurance with OPD cover!
OPD or the Out-patient Department is an essential unit of a healthcare centre, where people can be treated without getting hospitalised. This can be a follow-up visit, a visit for showing test reports or check-ups for other chronic health conditions that require frequent doctor’s visit. And a health insurance policy covering those expenses is called OPD Cover.
With the evolution in the health insurance sector, many health insurance providers have come up with plans that cover OPD benefits. That restrains the insured from paying a huge amount from his/her pocket in medical visits. So, one needs to know the in-and-out of this cover. Let’s brush up your knowledge here!
First of all, it entirely depends on the insurer how they offer this cover. While some offer this OPD cover as an in-built benefit, some others may offer this as a rider with an additional premium. So, it is always recommended the check for the plans, compare them as per your insurance requirement and buy.
As we mentioned above, OPD cover can be opted either as a part of your health plan or as a separate rider, the scope of coverage will be extensive no doubt, however, it might cost an additional premium or the plan may come with a higher premium.
Ensuring sufficient health coverage is essential to remain on the safer side in times of need. There is no point of buying a policy that can’t suffice your requirements. Same goes for choosing an OPD cover. If your coverage is not sufficient, that can adversely affect your pocket. So, here are some pointers to consider while selecting a health insurance policy with an OPD cover in India.
OPD insurance enables the policyholder to enjoy the following benefits:
Thankfully, the health insurance sector has been revamped to introduce OPD cover that includes the expenses incurred in an OPD. Many recent plans are designed in a manner to offer coverage for multiple expenses such as doctor’s consultation, cashless claims under OPD cover, dental treatment expenses, laboratory test etc. No doubt, availing treatment from a reputed private hospitalisation means your savings are at stake, be it for a hospitalisation or an OPD visit. Hence, having a health insurance policy with OPD benefit can help you plan your expenses smoothly in the time of a medical emergency, which may not require being hospitalised but thorough medical supervision of a physician.