Health Insurance with OPD Cover

Which OPD Health Insurance Plan is Ideal to Buy?

Check out the ideal health insurance plans with OPD cover in detail below:

• Aditya Birla Activ Health Plan

  The Aditya Birla Activ Health plan provides coverage for OPD doctor consultations, medicines, diagnostic tests and dental consultations & investigations. While the policy covers consultations with general physicians/specialists for up to 10% of the OPD limit per visit, medicine and diagnostic expenses are covered for up to 50% of the OPD limit. Moreover, this Aditya Birla health insurance plan covers the cost of preventive health check-ups once a year.

• Bajaj Allianz Health Care Supreme Plan

  Bajaj Allianz Health Care Supreme is a family floater health plan that covers outpatient expenses incurred on specialist consultations and investigations & medicines prescribed by a specialist. It also pays for consultations for psychiatric disorders, physiotherapies and dental procedures, including root canal treatments and tooth extractions. Additionally, free annual preventive health check-up benefits are also available under this plan.

• Care Plus Plan

  Care Plus plan offers coverage for doctor consultations, dental treatments and ophthalmic treatments availed on an OPD basis. It also covers the cost of lenses and spectacles incurred by the insured. The plan also offers annual health check-up benefits to all adult members.

• Cholamandalam Flexi Health Supreme Plan

  Cholamandalam Flexi Health Supreme is a comprehensive family health insurance policy that provides coverage for OPD expenses incurred on high-end diagnostics, hearing aids, contact lenses and spectacles under the Premiere variant. It also offers health check-up benefit after every two consecutive claim-free years.

• Digit Care Plus Plan

  Digit Care Plus plan covers the outpatient department treatment expenses incurred by the insured during the policy term. The OPD expenses that can be claimed under this plan include medical consultation and examination fees, diagnostic charges, medicine bills, surgical treatments, dental treatments, hearing aids and psychiatric illnesses. This Digit health insurance plan also offers complimentary health check-ups every renewal.

• Future Generali DIY Health Insurance Plan

  Future Generali DIY Health Insurance plan covers outpatient expenses of the insured, including doctor consultations, medications and diagnostic tests. This Future Generali health insurance policy also covers the cost of counselling sessions with a clinical psychologist prescribed by a psychiatrist.

• Galaxy Guardian Plan

  The Galaxy Guardian plan provides coverage for outpatient consultations availed at a network hospital of the Galaxy Health Insurance Company. The OPD cover is available with a limit of ₹750 per consultation, irrespective of the policy sum insured. The plan also covers the cost of health check-ups after every claim-free year.

• HDFC ERGO Day2Day Care Plan

  The HDFC ERGO Day2day Care plan provides OPD coverage from day 1 of the policy. It offers unlimited outpatient consultations with general physicians and specialists and pays for diagnostics, vaccinations, pharmacy and physiotherapies. It also offers annual health check-up benefits to the insured.

• ICICI Lombard Elevate Plan

  The ICICI Lombard Elevate plan covers OPD expenses incurred by the insured under the BeFit benefit. This optional benefit provides cashless coverage for OPD consultations, routine diagnostics, minor procedures, pharmacy and physiotherapy sessions. It also offers e-counselling, diet & nutrition e-consultations and annual health check-ups on a cashless basis.

• IFFCO Tokio Essential Health Protector Plan with OPD Cover

  The IFFCO Tokio Essential Health Protector plan provides coverage for outpatient expenses with the OPD cover add-on. It covers the cost of OPD consultations with general physicians/specialists and diagnostic tests. Besides, it pays for OPD expenses incurred through allopathic or AYUSH treatments.
  Moreover, policyholders can obtain coverage for outpatient dental treatments, including root canal treatments, tooth extractions, tooth fillings and disease-related restorative services, by opting for the dental cover add-on.

• Liberty Health Prime Connect Plan

  The Liberty Health Prime Connect plan offers the OPD benefit as an optional cover under the Optimum and Optimum Plus variants. On opting for this cover, Liberty General Insurance Limited pays for the outpatient treatment expenses prescribed by a medical specialist consulted on an OPD basis. Moreover, the plan offers cashless health check-up services after every renewal.

• Magma HDI OneHealth Insurance Plan

  The Magma HDI OneHealth Insurance plan covers the cost of outpatient consultations, diagnostic tests and medicines of the insured. It also covers OPD expenses on dental treatments, contact lenses, spectacles and hearing aids along with annual health check-up expenses. Moreover, the plan pays for the OPD expenses incurred during the treatment of COVID-19.

• ManipalCigna ProHealth Prime Insurance Plan

  The ManipalCigna ProHealth Prime Insurance plan pays for the OPD medical expenses incurred on doctor consultations, diagnostic tests, and medicines under the Advantage variant. It also covers the cost of dental and vision-related treatments availed on an OPD basis. Besides, the plan comes with unlimited teleconsultations and annual health check-up benefits.

• National Mediclaim Plus Policy - Individual

  The National Mediclaim Plus policy - Individual provides coverage for OPD treatment as an optional cover. It covers the outpatient expenses incurred on doctor consultations, diagnostic tests, dental treatments, and medicines prescribed by the doctor. The policy also covers the cost of health check-ups after every two years.

• New India Assurance Premier Mediclaim Policy

  The New India Assurance Premier Mediclaim policy covers OPD expenses incurred on dental treatments, doctor consultations, medicines and medical tests. It also pays for preventive health check-ups. However, the OPD cover is activated after every two continuous claim-free year.

• Niva Bupa (Formerly known as Max Bupa) GoActiv Health Plan

  Niva Bupa (Formerly known as Max Bupa) GoActive Health plan offers OPD coverage for medical consultations with specialists, general physicians, paediatricians, dentists, orthopedics, etc., as per need. The plan also pays for diagnostic tests, pharmacy & diagnostic services and health check-ups on an OPD basis.

• Oriental Happy Family Floater Plan

  The Oriental Happy Family Floater plan offers coverage for outpatient expenses under the Platinum variant. It covers doctor consultations, diagnostic tests and medicines resulting from dental and ophthalmic care after every three years.

• Raheja QBE Health QuBE Insurance Plan

  The Raheja QBE Health QuBE plan offers the OPD rider on the payment of an additional premium. It covers the cost of doctor consultations availed on an outpatient department basis. In addition, the insurer also offers annual health check-up benefits at any of its network centres.

• Reliance Health Infinity Insurance Plan

  The Reliance Health Infinity Insurance plan provides coverage for OPD consultations, prescribed medicines and diagnostic tests. It also covers dental OPD and surgical OPD treatment expenses under Plan B.

• Royal Sundaram Lifeline Insurance Plan

  The Royal Sundaram Lifeline Insurance plan provides OPD treatment cover under the Elite variant. It covers the cost of OPD consultations, prescribed diagnostic tests & medicines, dental treatments, contact lenses, hearing aids and spectacles. The plan also offers health check-up benefits at every renewal.

• SBI Super Health Insurance Plan

  SBI Super Health Insurance policy covers OPD expenses incurred on doctor consultations, dental & ophthalmic treatments and prescribed diagnostic tests & pharmacy. It comes with an annual health check-up benefit and covers outpatient diagnostic tests prescribed for cancer patients.

• Star Outpatient Care Insurance Plan

  The Star Outpatient Care Insurance plan covers outpatient consultation expenses incurred at any network medical facility of the insurer in India. OPD claims under this plan are permissible for diagnostic expenses, dental treatment expenses, ophthalmic treatment expenses, physiotherapy charges and pharmacy expenses. Moreover, OPD expenses incurred on non-allopathic treatments are also covered under this Star health insurance plan.

• Tata AIG Medicare Premier Plan

  The Tata AIG Medicare Premier plan covers the cost of high-end diagnostic tests on an OPD basis along with outpatient doctor consultations and medicines costs. It also covers OPD dental expenses resulting from root canal treatments, fillings and tooth extractions. However, the policy covers OPD expenses after a waiting period of 2 years.

• United India Family Medicare Plan

  The United India Family Medicare plan provides preventive health check-up services to the insured at any of its network hospital or diagnostic centre. However, the coverage is available after a block of every three consecutive claim-free years.

• Universal Sompo Complete Healthcare Insurance Plan

  The Universal Sompo Complete Healthcare Insurance plan provides coverage for OPD expenses incurred on doctor consultations and diagnostic services. It also pays for OPD dental treatments and the cost of spectacles, hearing aids and contact lenses. However, outpatient expenses are covered after a waiting period of 3 years.

• Zurich Kotak LiveWise Insurance Plan

  The Zurich Kotak LiveWise Insurance plan offers OPD benefit as an optional cover. It covers the cost of teleconsultations, doctor consultations, prescribed diagnostic services and pharmacy availed on an outpatient basis. It also pays for dental OPD expenses that include unlimited physical dental OPD consultations and teleconsultations with dentists. Moreover, the plan comes with an annual health check-up benefit.

Health Insurance with OPD Cover: FAQs

• Q1. What is OPD in health insurance?

  Ans: OPD in health insurance stands for Outpatient Department. It refers to doctor visits required for medical treatments and diagnoses that do not require hospitalization. It also includes diagnostic tests, vaccinations, doctor-prescribed medicines, dental expenses and physiotherapies. Most insurers provide coverage for OPD expenses under health insurance as an in-built or optional cover.

• Q2. What is cashless OPD?

  Ans: Cashless OPD refers to the coverage for doctor’s consultation fees, dental treatments, diagnostic tests, eye treatments, medicines, etc. availed on an outpatient department (OPD) basis at a network provider of the insurer. Cashless OPDs do not require patients to pay for their OPD expenses right away, as the insurance company settles the bill amount.

• Q3. Is dental covered in OPD?

  Ans: Yes. Dental treatments and expenses are covered by OPD health insurance plans.

• Q4. Is physiotherapy covered in OPD insurance?

  Ans: Yes. Most OPD insurance plans provide coverage for physiotherapy expenses.

• Q5. Which health insurance covers outpatients?

  Ans: OPD health insurance covers the medical expenses incurred on an outpatient department basis.

• Q6. Who is eligible for OPD?

  Ans: Everyone is eligible to buy health insurance with OPD cover. However, OPD insurance plans are especially beneficial for people who visit doctors frequently, have pre-existing illnesses or a weak immunity like children and senior citizens

• Q7. Is root canal covered by health insurance?

  Ans: If your health insurance policy covers dental treatments under the OPD cover, then it will pay for your root canal.

• Q8. What is the difference between OPD and hospitalization?

  Ans: The main difference between OPD and hospitalization is that hospitalization requires you to stay overnight at a hospital, whereas OPD does not require you to get admitted to a hospital.

• Q9. What is the limit for OPD expenses under health insurance?

  Ans: The OPD limit under health insurance generally varies from plan to plan and is defined in the policy document. It is usually a part of the sum insured, and thus, any OPD claim amount is deducted from the overall policy sum insured.

• Q10. Can I buy OPD health insurance online?

  Ans: Yes, you can buy OPD health insurance online from Policybazaar.com. You can compare various plans offered by different health insurance companies in India and find the plan that best suits your health needs. You can call insurance experts at Policybazaar on 1800-208-8787 or write at care@policybazaar.com in case of any assistance.