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Health Insurance with OPD Cover or Health Card?

Updated On Feb 15, 2021

Health insurance is nothing less than a boon. It comes across as not only an affordable investment, but also as a lifesaver. The reason people have started investing in health insurance is because they have understood that it is for their support and betterment. After all, a health insurance leaves no stone unturned in relieving one from financial burden as well as granting them the much-required peace of mind. 

A health insurance policy comprises many benefits, however, it may lack a few that you need the most at a certain time. For instance, you possess a high coverage, low premium health insurance policy. According to you, it should cover every single expense kind. But, when one day you decide to go for a dental appointment, you learn that your health insurance policy doesn’t cover dental treatment and the expenses associated with it. What would you do? Won’t that high coverage, low premium policy seem a waste at that time? 

Dental treatment cost, diagnostic tests, preventive check-ups, periodic doctor consultation, medicines & medical equipment, etc., are out-of-the pocket expenses that can burn a hole in your pocket within no time. Many health insurance policies cover such routine appointments under their OPD coverage feature. However, do you think paying a significant amount for OPD expenses, which you hardly have in a year, would be a smart thing to do? 

Health card is a better alternative that you can choose to avail facilities that a regular health insurance policy might not provide. 

Health Card - Concept & Importance Explained

A health card or health care card is an identity card that helps in availing the benefits of a plan for a monthly or annual membership fee. Offered to holders of health care plan (exclusive schemes with no exception for any medical emergency), health cards are nowadays available in electronic form, comprising medical history of every individual, which makes it easy for the doctors to uncover the health status of the patient. Besides, electronic health cards allow patient to visit any wellness center without the need of maintaining a medical records book. In fact, even if the cardholder is in unconscious state, doctors can easily verify their identity, access medical history and get started with the desired treatment.

Renowned for offering discounted rates on health, diagnostic and various other medical expenses, health care plan cards have numerous clinics, hospitals, nursing homes, and labs in their network which offer higher flexibility. As a matter of fact, holders of health care cards have coverage for almost all medical expenses, even cosmetic treatment too (in some cases). Even, people with pre-existing diseases are also able to secure their lives with health care cards, something which might not be possible with a regular health insurance plan. 

P.S. The ideal health card can help you cover preventive health care costs that account for 70% to 75% of overall medical expenses. 

Another key aspect about health cards is that they are valid from the time of purchase, unlike insurance policies that cover hospitalisation and come with waiting periods for pre-existing diseases and senior citizens. 

Coverage Under Health Care Cards 

  • Discounts on doctor consultation, medicines, diagnostics, etc.
  • Discounts on OPD consultations and treatment 
  • Medical vouchers
  • Exclusive coverage for dental care
  • Follow-up medical tests and consultations
  • A second opinion before surgeries
  • Discounted ambulance charges
  • 24x7 doctor on-call

Take note that other than medical care and treatment, many health insurance companies also offer exclusive wellness plans that comprise gym services, diet programme, Ayurveda & Homeopathy treatment, spa treatment, and others with attractive discounts.

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Needless to say, health cards are a great investment one can make to avail the best possible medical support. 

The best solution for people with high-risk and pre-existing conditions, especially senior citizens, health cards are not the replacement for a medical insurance cover. However, they help one lessen their unexpected medical burden without watching their savings go down the drain. 

Gaining popularity with the passage of time, health care cards bridge the gap left vacant by medical insurances without disturbing one financially. 

If you are willing to buy a health insurance plan, go for the decision, but only after carefully determining your medical needs. If interested in opting for a health card, make sure you uncover every detail beforehand to prevent regret at the last moment.

Those interested in learning more about health insurance plans, make sure you explore out website right away! We have multiple health insurance plans from renowned insurers like HDFC ERGO, RELIGARE, SBI, BAJAJ ALLIANZ, MAX BUPA, STAR HEALTH, RELIANCE GENERAL, ADITYA BIRLA, and others. 

If willing to talk to InsuranceDekho experts, feel free to give us a call at 18001205698. 

Our experts would be glad to help you out!

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