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Health Insurance OPD Benefits
Jun 15, 2021

Benefits of Health Insurance with OPD Cover

Visiting the hospital is an experience that almost all must have experienced once in their life, if not for themselves, but for others. That being said, no one expects injuries or ailments. They are unpredictable, especially when you are busy in your mundane lives juggling between deadlines. Medical procedures in today’s times have seen a sporadic increase in the treatment cost. Therefore, having some kind of safety net is essential. What better than to have a financial safety net of a health insurance policy? With a health cover, you need not worry about these treatment costs. Moreover, health insurance plans have additional features that not only make availing the treatment easy, but also getting adequate pre as well as post hospitalisation support. One such facility is the OPD cover. Let us have a look -

What is OPD cover in health insurance?

Outpatient Department or commonly abbreviated as OPD is the treatment availed on the recommendation of a medical practitioner or doctor by visiting a medical facility. Treatments which do not require hospitalisation are classified as OPD treatments. These treatments include fractures, dental procedures, and even minor surgeries. With the advancement of medical science, not all medical procedures require you to get hospitalised. Having OPD coverage included as part of your health insurance plan helps. There are many treatments that take a couple of hours. Although these treatments do not require much time, they can be expensive. An OPD cover takes care of these medical bills and helps avoid financial hurdles in the process. Health insurance with OPD is one of the handy features to look for in your insurance coverage.

What are the benefits of OPD cover in health insurance?

Now that you know what the meaning of health insurance with OPD cover is, let us look at some of the benefits that make it a must-have in your insurance policy.
  • Since most insurance plans require you to get hospitalised, a health insurance with OPD coverage helps to take care of these smaller treatments that otherwise can burn a hole in your pocket.
  • You no longer need to get hospitalised to raise a claim for insurance.
  • Not only does the plan cover the cost of treatment, but also extends it to medicines required post the treatment.
  • The sum insured for health insurance with OPD cover is determined based on the age of the policyholder. Hence earlier you buy the cover, lesser the premiums you have to pay.
  • There is no need of waiting long durations to claim the OPD expenses.
  • When you buy a health insurance with OPD coverage, it can help save taxes, too.

What should you consider when buying a health cover with OPD benefit?

When buying a health insurance with OPD benefits, it is crucial you select the amount of coverage carefully. An adequate sum insured will secure comprehensive coverage for not just one, but many treatments under the same policy cover. Next, do check the terms of the policy and whether it includes a co-payment clause or not. Having a policy with no age-related co-payment clause helps to avail the benefits of this cover for all age groups. Lastly, the waiting period is what should be considered when buying a health insurance policy. Longer waiting periods could mean no coverage is available when the time comes. Thus, it is essential you keep an eye on these factors when buying a health insurance policy with OPD coverage. So, to save yourself from the hassles of financial worries for minor procedures, opt for a health insurance policy with OPD coverage. Make sure to purchase a policy that offers OPD coverage like the one offered by Bajaj Allianz General Insurance Company to keep financial worries for medical treatments at bay.  Know more about what is copay in health insurance.  Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure/policy wording carefully before concluding a sale.

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