Is Your Policy OPD Covered Health Insurance?
When you are healthy, you can enjoy daily activities, pursue hobbies, and spend time with loved ones. But what happens if you develop any chronic medical condition? In such a condition, you must visit the doctor frequently. Regular visits can lead to a lot of expenses. This is where OPD coverage comes to your rescue.
But what is an OPD cover? Is it a part of your medical insurance? This article will talk about all these questions in detail. Moreover, if you are looking to buy a new policy, then OPD cover is a must, so you must have complete knowledge before you buy one, and this article can be of great help!
Table of Contents
What is OPD Cover?
An OPD cover is a type of health insurance coverage that pays for outpatient treatment expenses. This type of treatment includes medical procedures and consultations that do not require hospitalisation.
Some health insurance companies offer OPD insurance as part of their family floater health insurance and basic plans, while others do not. Hence, you may have to buy an add-on cover.
What are the Benefits of a Policy with OPD Cover?
Healthcare insurance plans that include coverage for outpatient department (OPD) can provide the following benefits:
1. Chronic Medical Conditions
OPD coverage is helpful for those people who have chronic medical conditions. These conditions require regular doctor visits for proper management, which can be expensive. OPD coverage can cover the cost of consultations and related expenses, so individuals with chronic conditions can get the medical attention they need without worrying about the cost.
2. Reimbursement for Medication
One benefit of OPD coverage is that the insured can get reimbursed for high pharmacy bills. It means that individuals with this coverage can receive compensation for the cost of necessary medications, helping to alleviate the financial burden of managing their health. With OPD coverage, individuals can have peace of mind knowing that their pharmacy expenses are covered.
3. Beneficial for Immunocompromised
OPD health coverage can benefit individuals with weaker immune systems who require frequent outpatient visits to monitor their health and receive necessary treatments. Covering the cost of consultations and related medical expenses reduces the financial burden of these visits.
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4. Tax Deduction
Having OPD coverage in a health plan can help you save money on income tax deductions. This is because, as the Section 80D of the Income Tax Act, individuals can get a deduction of up to ₹25,000, while senior citizens can get a deduction of up to ₹50,000 against the premium paid.
5. Wide Range of Clinics
OPD coverage health insurance has a wide network of hospitals that provides you with multiple options. This means you can pick the facility that works best for you. Moreover, this will provide you access to the necessary medical attention from qualified healthcare professionals, leading to better health and well-being.
What are the Inclusion and Exclusion Under OPD Cover in a Health Insurance?
The OPD cover has a limited application; hence, an idea about the coverage is essential. Here are some inclusions and exclusions under OPD coverage in health insurance.
| Inclusions | Exclusions |
| Doctor Consultations | Facilities for relaxation, enjoyment, and similar purposes. |
| Diagnostic tests | Beautification, purification, detoxification, and panchakarma treatments. |
| Pharmacy expenses | Expenses related to spectacles, lenses, implants, hearing aids, prosthetic devices, braces, and other similar medical equipment. |
| Pharmacy expenses | OPD treatment outside India |
| In some cases, telephonic consultations with doctors | Routine Examinations |
| This covers vaccinations, including injections and immunisations, but does not apply to post-bite treatments, such as those for a dog bite. | |
| Conditions like Sterility and Infertility | |
| Dental treatment or surgery of any kind | |
| Complications while pregnancy |
How to Buy a Policy With OPD Cover?
Buying medical Insurance for parents or children with OPD coverage online is quick and easy. You can follow the following steps to buy an OPD Cover:
Step 1: To purchase a healthcare insurance policy with OPD coverage, you must select a suitable company that offers the plans.
Step 2: Once you identify the company, you must head to their website and sign-up for the plan. You must provide your personal information, such as your name, email Id, number, address, age, gender, etc.
Step 3: Next, you must confirm if you have any pre-existing medical conditions.
Step 4: Now select the policy, duration and add-ons as per your requirement.
Step 5: Compare all the premiums and click the buy now option.
Step 6: After you have made the online premium payment, the policy will be issued and sent to your registered email ID.
Conclusion
OPD cover can help you receive medical attention without worrying about the cost. Thus, having such a provision in your health insurance is a lifesaver. Thus, you must check whether your health plan has OPD coverage while buying health insurance.
Furthermore, you can consider Niva Bupa Health Insurance if you want to buy a policy with an OPD cover or add it as an add-on to your existing coverage. They provide the best health insurance for families and medical insurance for parents. You can check out their website today to explore their plans.
