At an affordable price for you
Looking at the rising costs of healthcare in India, buying a health cover should be a top priority. Sometimes, medical expenses are not just limited to hospitalization costs. OPD visits, for instance, can lead to a lot of expenditure. Hence, one should opt for health insurance that covers OPD expenses.
Besides, many other benefits must be considered when opting for a health policy. It is necessary so that you are adequately covered and saved from any out-of-pocket expenditure.
We explain OPD cover and other key benefits you must look for in a comprehensive health insurance plan.
OPD or Outpatient Department is a section of a hospital or a clinic where a patient can avail medical services without getting admitted to the hospital. The medical services include doctor’s consultations, diagnosis of ailments, minor medical procedures, follow-up visits after discharge from hospital, pharmacy, etc. These expenses get covered under a health policy with OPD treatment cover.
The expenses are covered on a reimbursement basis. Policyholders must read the policy documents to understand the terms and conditions. They must also be clear about the number of times they can make claims for OPD expenses.
Day care treatment cover differs from OPD cover. The two terms should not be confused. Filing a claim based on a wrong understanding of such technical jargons can lead to claim rejection. Let us explain:
The basic difference is in the fact that hospitalization of duration less than 24 hours is required in order to avail the coverage for day care treatment. On the other hand, for OPD treatment, a patient need not be hospitalized to avail of medical care.
Moreover, the process of getting claims is different. The OPD coverage is similar to indemnity-based plans wherein the claims are reimbursed for the expenses incurred by an individual. It means you can visit any hospital for OPD care, pay the bills from your pocket and then get your claims reimbursed. However, for day care treatment, a policyholder can avail of the cashless hospitalization facility at any network hospital.
>>Also Read: Know about Day Care Treatment Cover
Usually, medical expenses are not only limited to hospitalization costs. A person is likely to incur hefty medical bills in case an illness requires prolonged medical care that goes beyond hospitalization. The expenses may also increase due to regular health check-ups and diagnostic tests. Opting for a health plan with comprehensive coverage will take care of all such expenses. A good health policy covers pre-hospitalization costs for 30 days before admission and post-hospitalization costs up to 60 days.
It is a beneficial feature that enables a policyholder to stay worry-free even after the sum insured is exhausted within a policy year. Health insurance with comprehensive coverage would offer the option of automatic recharge of the sum insured. In this feature, the entire sum insured amount would be restored, which can be utilised for hospitalization expenses in future. However, there may be some conditions. So, one must read and understand the policy brochure while opting for a policy.
OPD treatments can add up to substantial expenses that can be difficult to manage. We, at Care Health Insurance, understand how it can impact your financial health. Hence, to ease your financial burden, consider getting our health policy with OPD Care. You can avail of this optional benefit that covers your OPD consultations, diagnostic examinations, and pharmacy expenses. You become eligible to get a claim for this benefit twice in a policy year and stay worry-free as we will reimburse the expenses. Choose our comprehensive family health policy and get the OPD Care benefit for all insured members in your family.
Buying a suitable health insurance policy covering OPD expenses, day care treatment expenses, etc., also makes you eligible for tax benefits under Section 80D of the Income Tax Act, 1961. Thus, you can focus on increasing your savings every year.
It is highly advisable that you choose a health policy that offers you maximum coverage and high sum insured, given the fact that medical treatment costs are skyrocketing. Also, look for other benefits like daily allowance, cover for alternative treatment, ambulance cover, etc. Remember to consider various factors such as age, medical condition, etc., which can impact the premium rates.
You can receive coverage for your OPD expenses by opting for ‘Care’ - a comprehensive family health insurance policy offered by Care Health Insurance.
Disclaimer: Plan features, benefits, coverage, and underwriting of claims are subject to policy terms and conditions. Please refer to the brochure, sales prospectus, and policy documents carefully.
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