Know about OPD Cover in a Health Insurance Plan
Not every health problem requires hospitalization; there are some minor ailments for which one may just require an OPD consultation. The expenses may be so significant, and yet, you may not even realize how it might impact one’s monthly budget. Did you know that outpatient department expenses account for around 62% of healthcare costs in our country? When it comes to managing healthcare expenses, health insurance is the best investment. Considering that one visit to the doctor can cost a lot of expenses, it is wise to get health insurance with OPD cover. Nowadays, several health plans include OPD cover as an add-on feature, which is beneficial for the policyholders. You can get the OPD cover for an additional premium while availing of the policy benefits.
What is an OPD cover?
OPD treatment refers to medical treatment in which a person does need to get hospitalized but can visit any associated facility, such as a consultation room, at a hospital for diagnosis and treatment.
An OPD cover is one of the benefits of health insurance that provides coverage for the medical costs the insured incurs during an OPD visit, on a reimbursement basis.
Listed below are some of the inclusions of an OPD cover.
- Diagnostic test
- Doctor consultation
- Investigative tests
- Pharmacy expenses
Let us discuss why OPD cover is beneficial
Owing to medical inflation, many people are finding health care expensive. In such a scenario, bearing medical costs, including OPD expenses, directly from one’s pocket can be an expensive affair. In the long run, it can even drain out your savings gradually. Here is when you need a cushion for your savings that will protect you during a medical emergency. In such cases, getting health insurance with OPD cover helps you in managing various expenses pertaining to doctor’s consultation fees, pharmacy bills, and other related expenses. Earlier, outpatient coverage was not covered by health insurance plans. At present, health insurance policies offer the coverage for these expenses, thus saving policyholders from the burden of unexpected medical expenses.
OPD cover is a blessing for anyone who may incur medical expenses without hospitalization. These expenses may seem inevitable if you are suffering from an ailment. You can boost your health insurance coverage by availing of OPD cover as an add-on at an additional premium. Remember to read the policy document when buying a policy to avoid any hassle later on.
Before getting this benefit, make sure to analyze its value if it justifies its cost considering your requirements. If you have opted for Care - a comprehensive health insurance plan, by Care Health Insurance, your OPD expenses will be covered through reimbursement facility up to a certain amount, subject to the policy terms and conditions. It is essential to assess your medical needs before opting for a health cover. Invest in the best health insurance that will give you and your family adequate protection against the rising medical expenses. Our health insurance plans are affordable and suit the requirement of every individual. For more details related to the OPD cover, you can visit our official website or reach out to the customer support team