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Everything You Need To Know About OPD Health Insurance!

Published On Mar 25, 2022 11:00 AM By InsuranceDekho

Many health insurance providers cover outpatient procedures. Policyholders with OPD coverage can file a claim for expenditures spent without being admitted to the hospital. The cost of diagnostic or minor procedures, as well as the cost of drugs, are covered by OPD health insurance coverage. One of the best things about OPD insurance is that it covers expenses that are not generally covered by standard health policies. Unlike other health insurance policies, the amount insured under OPD is decided by the insured person's age. Of course, having health insurance that covers outpatient care adds to your financial security.

Everything You Need To Know About OPD Health Insurance!

Why Is OPD Cover Necessary?

Purchasing health insurance that includes outpatient care is a must in today's world for the reasons listed below:

  • Rising Need : The rising prevalence of inactive lifestyles is bringing with it a slew of chronic illnesses, driving up medical costs. It is critical to have health insurance that provides inpatient care benefits in order to handle everyday medical bills without worry.
  • Lack of Healthcare Records : As a result of the lack of a national system of organized health records in our country, insurers are wary of taking risks. Having a strategy in place for OPD therapy will help you get the best outpatient care without having to deal with the consequences of operational faults.

Features Of OPD Health Insurance Cover

  • In medical care, this is the first point of contact.
  • Disease prevention and health promotion are the main objectives.
  • Facilitates hospital admission screening and investigations.
  • Doctors or medical practitioners are easily accessible.
  • Ideal for immunizations or general sickness prevention.

Benefits Of OPD Health Insurance Cover

1. Additional Coverage 

When you acquire health insurance with outpatient expense coverage, you gain extra protection that is not available with conventional policies.

2. Cashless Facility

Some health insurance companies offer OPD benefit coverage as part of a cashless system for an extra fee.

3. Sum Insured

The age of the insured determines the sum insured for health insurance policies with an OPD benefit. If the insurance is a floater, the eldest member's age is taken into account.

4. More Tax Benefits

More tax benefits are provided by policies that cover OPD charges in the form of a tax exemption on the premium paid. Furthermore, claims are not tax deductible at the source.

5. Multiple Claims

OPD coverage in health insurance allows policyholders to request refunds as and when they incur charges.

6. Reimbursement of Pharmacy Bills

One of the most important advantages for those who have regular pharmacy costs is that health insurance policies that cover OPD services reimburse pharmacy bills.

7. Cover Multiple Expenses

Multiple medical bills, including those for hearing aids, crutches, spectacles, contact lenses, dentures, and other items that normal health insurance plans do not cover, are covered by policies with OPD benefits.

8. Carry Forward Feature

Some health insurance companies enable a predetermined percentage of the amount insured to be carried forward if the coverage is not used during the policy period.

Who Should Buy OPD Health Insurance Policy?

1. Fitness Enthusiasts

Even those who aim to live a healthy lifestyle and are less likely to become unwell can sustain injuries. These can be tied to physical activity, for example, and a health insurance policy with OPD coverage may be beneficial. Furthermore, by purchasing these health insurance plans, customers can save tax on their annual income.

2. People Between 25-40 Years

In health insurance plans, there are waiting periods during which no claims can be filed. As a result, you should purchase a health insurance policy that includes OPD coverage so that you can take use of it if you need it in the near future. Another incentive to always be protected is that health insurance coverage has never been more affordable.

3. Senior Citizens

Senior citizens are more likely to have minor surgeries or other OPD treatments, such as dental treatments, because their immune systems are weaker. This is why it is advised that they purchase a health insurance policy with outpatient coverage as soon as possible so that they do not have to spend their savings on such treatments.

4. Employees with Limited Health Insurance Coverage

Many employers provide health insurance to their employees, which may or may not be sufficient for the insured, as they do not necessarily include OPD coverage. As a result, these personnel should purchase a new health insurance policy that includes OPD coverage to ensure that they are covered at all times. For OPD care, you can also get a top-up health insurance coverage, which is a more cost-effective option. Additionally, purchasing an additional health insurance policy with outpatient care coverage can help you save money on taxes.

Take Away

Investing in health insurance plans with additional coverage benefits not only allows you to save more money, but it also allows you to receive timely treatment without worrying about the cost. So, even if your health insurance policy does not include OPD coverage, you can add it as an add-on benefit if it is available. Maintain your health and your insurance coverage.

Also read- Is Health Insurance Covered For Orthopedic Surgery?

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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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