Health insurance has become an essential requirement these days. But did you know that many traditional health insurance policies do not cover OPD (Outpatient Department)? This means that if you do not require hospitalization, you have to bear the cost of doctor’s fees, tests, and medicines yourself.
What is OPD cover
OPD cover is a facility that can be included in your health insurance policy. Under this, you can claim a certain portion of OPD expenses. This can include doctor’s consultation fees, diagnostic tests, and medicines.
Why is OPD cover important
Minor ailments have become common in today’s lifestyle. These ailments do not require hospitalization, but doctor’s consultations, medicines, and tests cost money. This is the OPD expense for which you have to spend out of your pocket if your insurance policy does not have OPD cover.
Why is OPD cover important
Doctor’s Fees: Doctor’s consultation fees can be a big expense when you fall ill.
Diagnostic Tests: Blood tests, X-rays, CT scans, etc. also cost a lot.
Medicines: Medicines for treating a disease also cost money.
How to choose the right OPD cover policy
Check coverage: Make sure which OPD expenses are covered in your policy.
Waiting period: Some policies have a waiting period during which you cannot make an OPD claim.
Limits and sub-limits: The policy has a certain limit of OPD cover.
Network providers: Some policies have network providers from whom you can get more benefits if you get treatment.
How to choose the right OPD cover
Assess your needs: Take into account your family’s health history and current health condition.
Compare policies: Compare policies from different insurance companies, and check their features, covers, premiums, and waiting periods.
Consult an agent: Consult a good insurance agent who can help you choose the right policy.
OPD coverage is an important part that makes your health insurance policy more comprehensive. It protects you from minor health expenses and reduces the burden on your pocket. So, keep OPD coverage in mind while choosing your health insurance policy.