Hello Kalesh. Thanks for reaching out. Health insurance plan that covers OPD (Outpatient Department) expenses for your parents. While most health insurance plans primarily focus on covering hospitalization expenses, specific plans also offer coverage for OPD expenses. However, it's important to note that the availability of such plans and their specific features may vary depending on the insurance providers in your region. I'll provide you with some general information to help you navigate through the process:

1. Coverage Details: While looking for a health insurance plan, pay attention to the coverage details related to OPD expenses. Some plans may offer a fixed sum insured for OPD consultations, diagnostic tests, medications, and other related expenses. Ensure that the plan adequately covers the anticipated OPD costs for your parents.
2. Network of Hospitals/Clinics: Check if the health insurance plan has a vast network of hospitals, clinics, and diagnostic centres where your parents can avail of OPD services. A more extensive network ensures better access to quality healthcare facilities.
3. Policy Terms and Conditions: Read the policy terms and conditions thoroughly, paying close attention to any exclusions or waiting periods associated with OPD coverage. Some plans may limit the number of consultations, tests, or medications covered in a year.
4. Premiums and Deductibles: Evaluate the premium costs and deductibles associated with the health insurance plan. Ensure the premium is affordable for you in the long run, considering your parents' age and healthcare needs.
5. Pre-existing Conditions: If your parents have any pre-existing medical conditions, check if the health insurance plan covers them for OPD expenses. Some plans may have waiting periods or specific conditions related to pre-existing ailments.
6. Additional Benefits: Look for any additional benefits provided by the insurance plan, such as wellness programs, preventive health check-ups, or teleconsultation services, which can be valuable for your parents' overall healthcare needs.

Reviewing and comparing multiple health insurance plans is essential to find the one that best suits your parents' requirements. It's also advisable to consult with a Policybazaar expert or a licensed insurance advisor who can provide personalized guidance based on your parents' specific needs and the available options in your region.

You can find out more features and benefits of health insurance and check out various policies here: Health Insurance

Hello Badheka, thanks for reaching out about health insurance for your parents covering OPD (Outpatient Department) expenses. Unlike most plans that focus on hospitalization, some do cover OPD costs, but availability varies by provider. Here are some key points to consider:

1. Coverage Details: Look for plans that provide benefits for OPD consultations, tests, and medications, ensuring they meet your parents' needs.

2. Network of Providers: Ensure the plan includes a wide network of hospitals and clinics for better access to care.

3. Policy Terms: Review the terms for exclusions or waiting periods relevant to OPD coverage, as limitations may apply.

4. Cost Assessment: Analyze premiums and deductibles to find an affordable option considering your parents' health.

5. Pre-existing Conditions: Verify coverage for pre-existing conditions, as some plans may have waiting periods.

6. Additional Benefits: Check for extra perks like wellness programs, preventive check-ups, or teleconsultation options.

It's crucial to review and compare multiple plans to find the best fit for your parents. Consulting a Policybazaar expert or licensed advisor can offer personalized guidance tailored to their specific needs.

For more information on health insurance options and benefits, visit: Health Insurance

Hello Ramakant, thanks for reaching out. You may select from a selection of health insurance products from several insurers on our website, including:
1. Individual health plans suited to a single person
2. Family floater health plans, which provide coverage for your complete family under a single plan.
3. Critical illness insurance policies (usually available as add-on covers)
4. Policies specific to Corona
There are also schemes designed specifically for senior citizens.

However, do note most comprehensive health insurance policies (individual or family floater) provide cashless coverage across network hospitals, cover COVID-19 treatment costs, and are available with no co-pay for people up to 60 years of age with no pre-existing diseases.

While some features may differ from plan to plan, some key terms and conditions for nearly all comprehensive health policies include:
1. All pre-existing diseases have to be declared at the time of submitting the proposal form to avoid rejection of claims in the future
2. The insurer may require you to go through tele- or physical medical tests based on your age and health condition
3. Across all health insurance policies, you will be required to serve certain waiting periods (the period within which you cannot claim treatment for specified diseases). The waiting periods may differ slightly across plans.

You can find out more features and benefits of health insurance and also check out various policies here: Health Insurance