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OPD Expense Coverage Options in India

Published On Mar 12, 2021, Updated On May 02, 2021

For the past few years, health insurance in India had only covered hospitalization charges and treatment costs in India. However, with time, insurance providers have incorporated greater services within their different policies and they now cover OPD expenses as well.

OPD or out-patient-department refers to the treatment that patients can avail from a specialized doctor in any nursing home or hospital, without being admitted in one. In other words, it refers to any treatment meted out to a patient on simply visiting their clinic or consultation room. Including diagnosis, check-ups, and post-surgery consultations, OPD treatment is meted out to people irrespective of hospitalization. For people with an underlying medical condition or a critical illness, frequent consultation and diagnosis of new complications at the earliest is a necessity. In such cases, it often leaves a considerable hole in the pocket of the patient or their family members, and having OPD coverage pays these fees for regular check-ups. Many insurance companies now provide OPD expenses coverage that covers daycare procedures as well. In this article, we are going to look at some insurance policies that come with this benefit in India -

Best Plans For OPD Expense Coverage

The following are the list of insurance policies with OPD Expense Coverage Options -

1. Max Bupa Heartbeat Health Plan

This policy by Max Bupa incorporates comprehensive financial and medical benefits. This policy comes as an individual policy as well as a family floater option. It has 3 options for you to choose from such as Heartbeat Individual, Heartbeat Family First, and Heartbeat Family Floater. With lifelong renewability and a cover for OPD treatment in selected diagnostic clinics and hospitals across India, this policy is efficient in reimbursing your expenses. Apart from OPD expenses, it also incorporates pre and post-hospitalization charges, maternity benefits, and a cashless treatment benefit.

2. HDFC Ergo Health Wallet Insurance Plan

The HDFC Ergo Health Insurance Plan comes with many benefits. It is an indemnity plan that covers hospitalisation costs under both an individual and family floater option. The best feature about this plan is that the unclaimed amount under the plan is carried forward to the next year as a reserved benefit and it used to pay for your OPD expenses and alternative treatments. Some of its other benefits include inpatient hospitalisation, organ donor cover, and coverage of daycare medical procedures.

3. Bajaj Allianz Tax Gain Plan

The Bajaj Allianz Tax Gain Plan is specially designed to offer you OPD expense benefits. It is a floater healthcare policy that covers your OPD costs and hospitalisation benefits as well under one plan. It also allows the policyholder to incorporate their partner or spouses as the beneficiary to the policy as a separate option for senior citizens receiving OPD treatment. This plan comes with an attractive lifetime renewability option, coverage of daycare procedures, and ambulance cover as well, emerging as a comprehensive plan for young and old people alike.

3. Max Bupa’s GoActive

This health insurance policy is an online plan that caters to the diverse health care requirement of you and your family members. The plan comes with inpatient hospitalisation benefit, OPD expense coverage, and regular diagnostics and health care checkups. You also have the luxury of opting for a second medical opinion under this policy such as personal health coaching and behavioral counseling. This plan also has an impressive I-Protect option that allows you a 10% enhancement while renewing your policy.

4. ICICI Lombard Complete Health Insurance Policy

The ICICI Lombard Health Insurance Policy is a comprehensive health insurance policy against your regular healthcare needs. With a family floater option, it covers the medical requirements of your loved ones as well. It offers OPD expense benefits and a critical illness cover too. Without a ceiling in hospital room rents, no co-payments, and no pre-medical checkup for signing up for this policy it is affordable. Its complementary health check-up coupons every year for you and your family ensure that everyone is protected against any kind of underlying medical conditions and unforeseen medical emergencies.

These are some of the most important plans that come with an OPD Expense Coverage. Shielding you from unprecedented consultation, diagnosis, and regular check-up fees, an OPD Expense Coverage is an advisable financial cover. However, there are many more options in the market and this is only a suggestive list. The plan that you choose will ultimately border on your personal medical and financial needs.

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.


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