Here is why you should opt for a health insurance policy with OPD coverage.

The coronavirus pandemic has made everyone aware of health insurance. This is no longer seen as an option but as a requirement for your safety and that of your family. Having a health insurance policy is essential due to the rising costs of medical care and the increase in lifestyle ailments due to our sedentary lifestyles.

Many people don’t realize that a health insurance policy doesn’t cover all of the treatment costs associated with an illness. For example, a basic health insurance policy only covers certain hospitalization or hospitalization costs while excluding home treatment costs such as diagnostic costs, doctor’s fees, and home care packages. . In addition, when it comes to medical care costs that do not involve hospitalization of the patient, treatment costs are not covered by most health insurance policies.

According to various estimates, around 60% of the medical care expenses for Indian patients are borne by them. Therefore, the exclusion of outpatient expenses has become a major concern. To close this gap, some of the major insurers have launched OPD (Out Patient Department) solutions to cover outpatient expenses such as diagnostic costs, doctor’s fees, pharmacy and other things.

What expenses are covered by OPD health coverage?

Consultations with the doctor: OPD health coverage also covers the costs of a doctor’s consultation. Whether it’s a cold or fever, or a severe rash, a standard health insurance policy will not cover the cost of seeing the doctor. But if you have opted for OPD coverage, you don’t have to worry about these expenses because your OPD coverage policy will cover this. This is all the more vital in families with children, as visits to the doctor are frequent in such cases.*

Pharmacy fees: Your OPD health insurance will also cover pharmacy costs for prescribed drugs. These pharmacy medical expenses are not covered by a regular health insurance policy.*

Diagnostic and investigative test: OPD coverage also offsets costs incurred for diagnostic tests such as blood tests, stool tests, CT scans, x-rays, ultrasound and MRI, among others. This regardless of whether you are diagnosed with a disease or not. As long as your doctor prescribes the investigative and diagnostic tests, your policy will cover these costs up to the prescribed limit.*

Visual and hearing aid: OPD coverage policies cover the costs of hearing aids and eyeglasses such as eyeglasses and contact lenses. Therefore, if you have this coverage, you do not have to bear the full cost of prescribed glasses or hearing aids. Instead, your insurance will take care of the same. Details given are subject to change based on IRDAI standards and standard terms and conditions apply.

Dental procedures: Most health insurance policies do not cover medical costs incurred for dental treatments such as root canal treatment, tooth extraction, filling, etc. Even policies that cover listed daycare treatments do not include dental treatments. However, a health insurance policy with OPD benefits can cover not only these costs, but also some oral implants such as dentures.*

*Standard T & Cs Apply

There are crucial advantages of covering OPD expenses in health insurance. It is useful for families with children and for patients who need frequent visits for OPD consultations. In addition, people with chronic illnesses like asthma, diabetes, arthritis, thyroid disease, etc., can gain a lot from such health coverage in the form of coverage on health bills. pharmacy.

From covering primary health care expenses like a viral fever to complex dental treatments and other day care procedures, the financial benefit of OPD coverage can be significant in the long run.

Which mutual to choose?

Now you might be wondering which health insurance policy will give you the best OPD solutions and keep your family healthy. While you can check out the different options available in the market, Bajaj Allianz General Insurance family health insurance plans tick all the right boxes. These plans cover pre and post hospitalization costs for up to 60 to 90 days. *Standard T & Cs Apply

If you’ve already purchased health insurance, be sure to take stock of your coverage. Besides being uninsured, being underinsured can also hurt your financial well-being. On the other hand, if you don’t have health insurance, make sure you get one as soon as possible so that your family’s physical, emotional and financial health is protected at all times. Insurance is the subject of the solicitation. For more details on the benefits, exclusions, limitations, terms and conditions, please read the sales brochure / policy wording carefully before making a sale.

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