Q1. Can I buy ABHI OPD as a standalone policy?

Ans: No. You cannot buy ABHI OPD Care as a standalone policy because it is a rider. It can only be purchased along with a base health insurance policy, such as Aditya Birla Activ Assure, Activ Care and Activ Health plans.

Q2. Will ABHI OPD offer unlimited outpatient consultations with all doctors?

Ans: No. The ABHI OPD Care add-on offers unlimited outpatient consultations only with doctors listed within the network of Aditya Birla Health Insurance Company.

Q3. Can I buy ABHI OPD if I have the optional OPD cover under my Aditya Birla Activ Health policy?

Ans: No. You cannot buy the ABHI OPD add-on if you have already opted for the OPD cover under your Aditya Birla Activ Health policy. You can either opt for the ABHI OPD Care or the optional OPD cover under your base policy.

Q4. Where can I get Aditya Birla Health Insurance cashless hospital list for OPD consultations?

Ans: You can get the Aditya Birla Health Insurance cashless hospital list for outpatient consultations at the time of buying the policy. You can also contact the customer care of the insurance provider to get the cashless hospital list.

Q5. Will ABHI OPD cover my medical expenses if I get hospitalized after an OPD consultation?

Ans: No. The ABHI OPD cover plan will only pay for the cost of physical and virtual OPD consultations. In case you get hospitalized, the expenses will be covered under your base health insurance policy.

Aditya Birla Health Insurance OPD Care: Buy Cashless OPD Treatment

Aditya Birla Health Insurance OPD Care

Aditya Birla Health Insurance (ABHI) OPD Care is an add-on cover that provides coverage for outpatient medical expenses incurred by the insured. It covers the insured for physical outpatient doctor consultations as well as virtual consultations. This rider can be purchased along with Aditya Birla Activ Health, Activ Assure and Activ Care plans.

Categories	Specifications
Policy Tenure	1 year
Network Hospitals	10051+
Incurred Claim Ratio (2020-21)	49.99%
Pre-existing Diseases Waiting Period	Not applicable
Co-payment	Not applicable

Benefits of Aditya Birla Health Insurance (ABHI) OPD Care

Check out some of the key benefits of the Aditya Birla OPD Care rider:

Unlimited Doctor Consultations

The ABHI OPD add-on allows the insured to avail unlimited physical and virtual outpatient consultations from doctors within the network of the insurance company.

Cashless OPD Consultations

The insured can take cashless doctor consultations under the ABHI OPD cover as the consultation fee is paid by the Aditya Birla Health Insurance Company.

Coverage for Non-Hospitalization Expenses

Unlike most health insurance plans, this OPD rider covers the expenses incurred on outpatient treatment and not on hospitalization.

Makes Medical Treatment Affordable

With this rider, the insured can avail coverage for outpatient expenses, which ultimately reduces the financial burden and makes medical treatment affordable.

Tax Benefits

The premium paid towards buying this OPD rider by Aditya Birla Health Insurance Company can be claimed for tax deductions under Income Tax Act, Sec 80D.

Aditya Birla Health Insurance (ABHI) OPD Care Eligibility Criteria

Take a look at the eligibility criteria for buying the Aditya Birla OPD Care rider:

Parameters	Eligibility Criteria
Minimum Entry Age	Adult – 18 years Child – 3 months
Maximum Entry Age	Adult – As per the base policy Child – 25 years
Coverage Type	Individual
Relationships Covered	Self, spouse, children, parents, siblings, parents-in-law, grandparents, grandchildren, daughter-in-law, son-in-law, brother-in-law, sister-in-law, niece and nephew

Types of Aditya Birla Health Insurance (ABHI) OPD Care

The Aditya Birla OPD Care rider is available in three types:

ABHI OPD Care Add-on 1 – The add-on 1 covers the cost of unlimited physical outpatient consultations taken from a general physician.
ABHI OPD Care Add-on 2 – The add-on 2 covers the cost of unlimited physical outpatient consultations and unlimited virtual consultations, including both teleconsultation and video consultation, taken from a general physician.
ABHI OPD Care Add-on 3 – The add-on 3 covers the cost of 2 physical specialist consultations along with unlimited outpatient consultations and virtual consultations taken from a general physician.

Inclusions of Aditya Birla Health Insurance (ABHI) OPD Care

The following coverage are included under the Aditya Birla OPD Care rider:

Unlimited Physical Outpatient Consultations – It covers the medical expenses incurred on availing physical outpatient consultations from a general physician for an illness/injury an unlimited number of times.
Unlimited Virtual Consultations – It covers the medical expenses incurred on availing virtual consultations from a general physician for an illness/injury an unlimited number of times. Virtual consultations include both teleconsultations and video consultations.
Physical Specialist Consultations – It covers the medical expenses incurred on availing physical outpatient consultations from two specialists for an illness/injury. The specialist can be a gynaecologist, paediatrician, orthopaedic, ophthalmologist, nutritionist and physiotherapist.

Exclusions of Aditya Birla Health Insurance (ABHI) OPD Care

The Aditya Birla OPD Care rider does not provide coverage for the following:

In-patient hospitalization expenses
Pre & post-hospitalization expenses
Domiciliary hospitalization
Intentional self-injury
Treatment for alcohol or drug addiction

FAQs

Q1. Can I buy ABHI OPD as a standalone policy?

Ans: No. You cannot buy ABHI OPD Care as a standalone policy because it is a rider. It can only be purchased along with a base health insurance policy, such as Aditya Birla Activ Assure, Activ Care and Activ Health plans.
Q2. Will ABHI OPD offer unlimited outpatient consultations with all doctors?

Ans: No. The ABHI OPD Care add-on offers unlimited outpatient consultations only with doctors listed within the network of Aditya Birla Health Insurance Company.
Q3. Can I buy ABHI OPD if I have the optional OPD cover under my Aditya Birla Activ Health policy?

Ans: No. You cannot buy the ABHI OPD add-on if you have already opted for the OPD cover under your Aditya Birla Activ Health policy. You can either opt for the ABHI OPD Care or the optional OPD cover under your base policy.
Q4. Where can I get Aditya Birla Health Insurance cashless hospital list for OPD consultations?

Ans: You can get the Aditya Birla Health Insurance cashless hospital list for outpatient consultations at the time of buying the policy. You can also contact the customer care of the insurance provider to get the cashless hospital list.
Q5. Will ABHI OPD cover my medical expenses if I get hospitalized after an OPD consultation?

Ans: No. The ABHI OPD cover plan will only pay for the cost of physical and virtual OPD consultations. In case you get hospitalized, the expenses will be covered under your base health insurance policy.

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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

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