Why you should choose health insurance with OPD cover in India?

Medical treatment in India is definitely very good; however, expensive. This is why many people are deprived of medical treatment, which is one of the reasons they die without getting the right treatment at the right time. If you do not want to go through the same phase, you should buy a health insurance policy at the earliest. When we purchase a health insurance plan, most of the parts of the medical treatment are covered. Some plans also cover pre-hospitalization expenses. You can even avail of cashless treatment in one of the network hospitals of the insurance company. This means, you just have to be admitted to the hospital, inform your insurer, get the treatment and once discharged, walk to your home. The bills will be taken care of by your insurance provider.

However, what if you only need to consult with the doctor often? In that case, you need to buy health insurance with OPD cover. Let us discuss why you should go for a health insurance policy with OPD cover.

  • Health insurance plans that come with OPD coverage help the insured to claim coverage along with the ones that were incurred at the time of hospitalization. To put it simply, a health insurance policy with OPD cover provides coverage against outpatient expenses that are not covered by all types of health insurance policies.
  • This kind of policy comes with more tax benefits that are associated with it as compared to the other basic health insurance plans. The policyholders can claim tax exemption on payment of premium for the health insurance plan. Moreover, there is no tax-deductible source for claims.
  • The majority of the health insurance policies with OPD cover enable the insured to claim reimbursement on expenditure many times during the tenure of the plan.
  • Outpatient healthcare involves several types of services; thus, more transactions come with it. This is why the financial value of a health insurance policy with OPD cover is more compared to the basic health insurance policies.
  • In one such cover, reimbursement for pharmacy bills is also offered. This makes it even the best for people who incur regular pharmacy bills.
  • This kind of coverage is also offered under a cashless scheme along with additional premiums by certain insurance companies.
  • You can carry forward a certain sum insured percentage which is fixed, in case the entire coverage is not used during the tenure of the policy.
  • The sum insured is decided based on the age of the insured under the OPD coverage health insurance plan. On the other hand, in a family floater health insurance policy, the age of the eldest insured family member is counted.
  • Several kinds of expenses are covered under OPD health insurance policies such as contact lenses, dentures, hearing aids, crutches, spectacles, etc. These are mostly not included in the regular health insurance policies.

Some of the top health insurance plans with OPD cover in India

Mentioned herein below are some of the best health insurance policies with OPD cover in the country.

Max Bupa Health Insurance – Heartbeat Policy

The coverage includes in-patient hospitalization expenses, daycare treatment, alternative treatments, domiciliary hospitalization expenses, emergency ambulance, OPD treatment and diagnostic tests, and pre-hospitalization and post-hospitalization expenses.

ICICI Lombard Health Insurance – Complete Healthcare Policy

The coverage benefits include in-patient hospitalization expenses, pre-hospitalization, and post-hospitalization expenses, daycare expenses, and many more.

HDFC Ergo General Insurance – Health Wallet Policy

The coverage benefits under this policy are worldwide emergency coverage for up to 50% of the sum insured, OPD cover, free annual check-ups every year, and many more.

If you want to find out more information on several more health insurance plans with OPD cover, you can visit the IIFL website today.

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