Aditya Birla Health Insurance OPD Care

Aditya Birla Health Insurance (ABHI) OPD Care is an add-on cover that provides coverage for outpatient medical expenses incurred by the insured. It covers the insured for physical outpatient doctor consultations as well as virtual consultations. This rider can be purchased along with Aditya Birla Activ Health, Activ Assure and Activ Care plans.

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Aditya Birla Health Insurance OPD Care

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply

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    Aditya Birla Health Insurance (ABHI) OPD Care: Key Highlights

    Categories Specifications
    Policy Tenure 1 year
    Network Hospitals 10051+
    Incurred Claim Ratio (2020-21) 49.99%
    Pre-existing Diseases Waiting Period Not applicable
    Co-payment Not applicable

    Benefits of Aditya Birla Health Insurance (ABHI) OPD Care

    Check out some of the key benefits of the Aditya Birla OPD Care rider:

    Unlimited Doctor Consultations

    The ABHI OPD add-on allows the insured to avail unlimited physical and virtual outpatient consultations from doctors within the network of the insurance company.

    Cashless OPD Consultations

    The insured can take cashless doctor consultations under the ABHI OPD cover as the consultation fee is paid by the Aditya Birla Health Insurance Company.

    Coverage for Non-Hospitalization Expenses

    Unlike most health insurance plans, this OPD rider covers the expenses incurred on outpatient treatment and not on hospitalization.

    Makes Medical Treatment Affordable

    With this rider, the insured can avail coverage for outpatient expenses, which ultimately reduces the financial burden and makes medical treatment affordable.

    Tax Benefits

    The premium paid towards buying this OPD rider by Aditya Birla Health Insurance Company can be claimed for tax deductions under Income Tax Act, Sec 80D.

    Aditya Birla Health Insurance (ABHI) OPD Care Eligibility Criteria

    Take a look at the eligibility criteria for buying the Aditya Birla OPD Care rider:

    Parameters Eligibility Criteria
    Minimum Entry Age Adult – 18 years
    Child – 3 months
    Maximum Entry Age Adult – As per the base policy
    Child – 25 years
    Coverage Type Individual
    Relationships Covered Self, spouse, children, parents, siblings, parents-in-law, grandparents, grandchildren, daughter-in-law, son-in-law, brother-in-law, sister-in-law, niece and nephew

    Types of Aditya Birla Health Insurance (ABHI) OPD Care

    The Aditya Birla OPD Care rider is available in three types:

    • ABHI OPD Care Add-on 1 – The add-on 1 covers the cost of unlimited physical outpatient consultations taken from a general physician.
    • ABHI OPD Care Add-on 2 – The add-on 2 covers the cost of unlimited physical outpatient consultations and unlimited virtual consultations, including both teleconsultation and video consultation, taken from a general physician.
    • ABHI OPD Care Add-on 3 – The add-on 3 covers the cost of 2 physical specialist consultations along with unlimited outpatient consultations and virtual consultations taken from a general physician.

    Inclusions of Aditya Birla Health Insurance (ABHI) OPD Care

    The following coverage are included under the Aditya Birla OPD Care rider:

    • Unlimited Physical Outpatient Consultations – It covers the medical expenses incurred on availing physical outpatient consultations from a general physician for an illness/injury an unlimited number of times.
    • Unlimited Virtual Consultations – It covers the medical expenses incurred on availing virtual consultations from a general physician for an illness/injury an unlimited number of times. Virtual consultations include both teleconsultations and video consultations.
    • Physical Specialist Consultations – It covers the medical expenses incurred on availing physical outpatient consultations from two specialists for an illness/injury. The specialist can be a gynaecologist, paediatrician, orthopaedic, ophthalmologist, nutritionist and physiotherapist.

    Exclusions of Aditya Birla Health Insurance (ABHI) OPD Care

    The Aditya Birla OPD Care rider does not provide coverage for the following:

    • In-patient hospitalization expenses
    • Pre & post-hospitalization expenses
    • Domiciliary hospitalization
    • Intentional self-injury
    • Treatment for alcohol or drug addiction

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