Do you often visit the doctor for minor ailments or routine check-ups? Do you spend a lot of money on consultation fees, diagnostic tests, medicines, and other outpatient services? If yes, then you might be wondering if there is a way to reduce these expenses and save some money.
The answer is OPD cover. OPD stands for Outpatient Department, which refers to the medical services that do not require hospitalization or admission.
OPD cover in health insurance is a benefit that pays for the expenses incurred during such services, such as doctor consultation fees, diagnostic tests, pharmacy bills, etc.
However, not all health insurance plans offer OPD cover in India. In fact, only a few insurers provide this benefit as an add-on or a standalone feature. Therefore, it is important to compare and choose the best health insurance plan with OPD cover according to your needs and budget.
In this article, we will provide you with a list of 5 Best OPD Health Insurance In India. We will also explain the features, benefits, and exclusions of each plan and why they are suitable for OPD cover. So, let’s get started!
5 Best Best OPD Health Insurance In India
In this section, we will review 5 best health insurance plans with OPD cover in India. We will compare their sum insured range, premium amount, OPD cover limit and features, other benefits and exclusions, and suitability for OPD cover. Here are the 5 plans we have selected:
- ICICI Lombard Complete Health Insurance
- Manipal Signa Lifetime Health
- Bajaj Allianz Tax Gain Plan
- SBI Arogya Plus Plan
- Star Out Patient Care Insurance Policy
Let’s take a look at each plan in detail.
ICICI Lombard Complete Health Insurance
ICICI Lombard Complete Health Insurance is a comprehensive health insurance plan that offers OPD cover as an optional benefit. You can choose from various sum insured options ranging from Rs. 3 lakhs to Rs. 1 crore. The premium amount depends on your age, sum insured, and OPD cover option.
The OPD cover option provides a fixed amount of Rs. 5,000 or Rs. 10,000 per policy year for outpatient expenses such as doctor consultation fees, diagnostic tests, pharmacy bills, dental treatment, etc. You can avail cashless OPD services at network hospitals or clinics of ICICI Lombard. You can also claim reimbursement for OPD expenses incurred at non-network hospitals or clinics.
ICICI Lombard Complete Health Insurance
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Benefits of ICICI Lombard Complete Health Insurance
- Coverage for hospitalization expenses, pre and post hospitalization expenses, day care procedures, domiciliary treatment, organ donor expenses, etc.
- Coverage for COVID-19 treatment and vaccination.
- Free health check-up every year.
- Wellness program that rewards you with health points for healthy activities.
- Lifelong renewability and portability options.
Exclusions of ICICI Lombard Complete Health Insurance
- Waiting period of 30 days for all illnesses except accidental injuries.
- Waiting period of 2 years for specific illnesses such as cataract, hernia, joint replacement, etc.
- Waiting period of 4 years for pre-existing diseases.
- Co-payment of 10% or 20% for claims made by insured persons above 60 years of age.
This plan is suitable for OPD cover if you want a comprehensive health insurance plan with a high sum insured and a fixed amount of OPD benefit.
Manipal Signa Lifetime Health
Manipal Signa Lifetime Health is a unique health insurance plan that offers OPD cover as an in-built feature. You can choose from various sum insured options ranging from Rs. 2 lakhs to Rs. 1 crore. The premium amount depends on your age, sum insured, and zone of residence.
The OPD cover feature provides a percentage of the sum insured (up to Rs. 50,000) per policy year for outpatient expenses such as doctor consultation fees, diagnostic tests, pharmacy bills, dental treatment, etc.
Manipal Signa Lifetime Health
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You can avail cashless OPD services at network hospitals or clinics of Manipal Signa. You can also claim reimbursement for OPD expenses incurred at non-network hospitals or clinics.
Benefits of Manipal Signa Lifetime Health
- Coverage for hospitalization expenses, pre and post hospitalization expenses, day care procedures, domiciliary treatment, organ donor expenses, etc.
- Coverage for COVID-19 treatment and vaccination.
- No claim bonus of up to 150% of the sum insured for every claim-free year.
- Restore benefit that automatically reinstates the sum insured if it is exhausted during the policy year.
- Lifelong renewability and portability options.
Exclusions of Manipal Signa Lifetime Health
- Waiting period of 30 days for all illnesses except accidental injuries.
- Waiting period of 2 years for specific illnesses such as cataract, hernia, joint replacement, etc.
- Waiting period of 4 years for pre-existing diseases.
- Co-payment of 10% or 20% for claims made by insured persons above 60 years of age.
This plan is suitable for OPD cover if you want a unique health insurance plan with a percentage-based OPD benefit and no claim bonus feature.
Bajaj Allianz Tax Gain Plan
Bajaj Allianz Tax Gain Plan is a health insurance plan that offers OPD cover as a standalone feature. You can choose from two sum insured options: Rs. 1 lakh or Rs. 2 lakhs. The premium amount is fixed at Rs. 8,999 or Rs. 11,999 respectively.
The OPD cover feature provides a fixed amount of Rs. 3,000 or Rs. 5,000 per policy year for outpatient expenses such as doctor consultation fees, diagnostic tests, pharmacy bills, dental treatment, etc.
You can avail cashless OPD services at network hospitals or clinics of Bajaj Allianz. You can also claim reimbursement for OPD expenses incurred at non-network hospitals or clinics.
Bajaj Allianz Tax Gain Plan
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Benefits of Bajaj Allianz Tax Gain Plan
- Coverage for hospitalization expenses, pre and post hospitalization expenses, day care procedures, domiciliary treatment, organ donor expenses, etc.
- Coverage for COVID-19 treatment and vaccination.
- Free health check-up every year.
- Tax benefit under Section 80D of the Income Tax Act.
Exclusions of Bajaj Allianz Tax Gain Plan
- Waiting period of 30 days for all illnesses except accidental injuries.
- Waiting period of 2 years for specific illnesses such as cataract, hernia, joint replacement, etc.
- Waiting period of 4 years for pre-existing diseases.
- Co-payment of 20% for claims made by insured persons above 55 years of age.
This plan is suitable for OPD cover if you want a low-cost health insurance plan with a fixed amount of OPD benefit and tax benefit.
SBI Arogya Plus Plan
SBI Arogya Plus Plan is a health insurance plan that offers OPD cover as an add-on feature. You can choose from three sum insured options: Rs. 1 lakh, Rs. 2 lakhs, or Rs. 3 lakhs. The premium amount depends on your age, sum insured, and OPD cover option.
The OPD cover option provides a fixed amount of Rs. 5,000 or Rs. 10,000 per policy year for outpatient expenses such as doctor consultation fees, diagnostic tests, pharmacy bills, dental treatment, etc.
You can avail cashless OPD services at network hospitals or clinics of SBI General Insurance. You can also claim reimbursement for OPD expenses incurred at non-network hospitals or clinics.
SBI Arogya Plus Plan
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Benefits of SBI Arogya Plus Plan
- Coverage for hospitalization expenses, pre and post hospitalization expenses, day care procedures, domiciliary treatment, organ donor expenses, etc.
- Coverage for COVID-19 treatment and vaccination.
- Free health check-up every year.
- Family discount of 5% for covering more than two members under the same policy.
- Lifelong renewability and portability options.
Exclusions of SBI Arogya Plus Plan
- Waiting period of 30 days for all illnesses except accidental injuries.
- Waiting period of 2 years for specific illnesses such as cataract, hernia, joint replacement, etc.
- Waiting period of 4 years for pre-existing diseases.
- Co-payment of 10% or 20% for claims made by insured persons above 65 years of age.
This plan is suitable for OPD cover if you want a health insurance plan with a low sum insured and a flexible OPD benefit option.
Star Out Patient Care Insurance Policy
Star Out Patient Care Insurance Policy is a health insurance plan that offers OPD cover as a standalone feature. You can choose from three sum insured options: Rs. 25,000, Rs. 50,000, or Rs. 1 lakh. The premium amount depends on your age and sum insured.
The OPD cover feature provides a percentage of the sum insured (up to Rs. 40,000) per policy year for outpatient expenses such as doctor consultation fees, diagnostic tests, pharmacy bills, dental treatment, etc.
You can avail cashless OPD services at network hospitals or clinics of Star Health Insurance.
Star Out Patient Care Insurance Policy
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Benefits of Star Out Patient Care Insurance Policy
- Coverage for hospitalization expenses due to accidents up to the sum insured.
- Coverage for COVID-19 treatment and vaccination.
- Free health check-up every year.
- No pre-policy medical check-up required up to the age of 50 years.
- Lifelong renewability and portability options.
Exclusions of Star Out Patient Care Insurance Policy
- Waiting period of 30 days for all illnesses except accidental injuries.
- Waiting period of 2 years for specific illnesses such as cataract, hernia, joint replacement, etc.
- Waiting period of 4 years for pre-existing diseases.
- Co-payment of 10% or 20% for claims made by insured persons above 60 years of age.
This plan is suitable for OPD cover if you want a health insurance plan with only OPD benefit and accident cover.
You can use the following table to compare the 5 plans we have reviewed in this article:
| Plan Name | Sum Insured | Premium | OPD Cover | Other Benefits |
|---|---|---|---|---|
| ICICI Lombard Complete Health Insurance | Rs. 3 lakhs to Rs. 1 crore | Depends on age, sum insured, and OPD cover option | Rs. 5,000 or Rs. 10,000 per policy year | Comprehensive coverage, COVID-19 coverage, free health check-up, wellness program |
| Manipal Signa Lifetime Health | Rs. 2 lakhs to Rs. 1 crore | Depends on age, sum insured, and zone of residence | Percentage of sum insured (up to Rs. 50,000) per policy year | Comprehensive coverage, COVID-19 coverage, no claim bonus, restore benefit |
| Bajaj Allianz Tax Gain Plan | Rs. 1 lakh or Rs. 2 lakhs | Fixed at Rs. 8,999 or Rs. 11,999 respectively | Rs. 3,000 or Rs. 5,000 per policy year | Comprehensive coverage, COVID-19 coverage, free health check-up, tax benefit |
| SBI Arogya Plus Plan | Rs. 1 lakh, Rs. 2 lakhs, or Rs. 3 lakhs | Depends on age, sum insured, and OPD cover option | Rs. 5,000 or Rs. 10,000 per policy year | Comprehensive coverage, COVID-19 coverage, free health check-up, family discount |
| Star Out Patient Care Insurance Policy | Rs. 25,000, Rs. 50,000, or Rs. 1 lakh | Depends on sum insured | Percentage of sum insured (up to Rs. 40,000) per policy year | Accident cover, COVID-19 coverage, free health check-up, no pre-policy medical check-up |
How to buy a health insurance plan with OPD coverage?
OPD coverage is a benefit that pays for the expenses incurred during outpatient services, such as doctor consultation fees, diagnostic tests, pharmacy bills, dental treatment, etc. OPD coverage can help you save money and reduce the financial burden of frequent medical visits.
If you want to buy a health insurance plan with OPD coverage, you can follow these simple steps:
- Firstly, click here to visit our personalised page where you can compare and buy health insurance plans with OPD coverage from different insurers.
- Fill in all the personal details accurately to get the appropriate health insurance plans according to your needs and budget. You can also filter the plans by sum insured, premium, OPD cover limit, and other features.
- Compare the health insurance plans by clicking on viewing details. You can check the benefits, exclusions, claim settlement ratio, customer reviews, and network hospitals of each plan.
- Choose the best one for you based on your preferences and requirements.
- Fill in the required details, including contact details, insured details, medical history, and mailing address. Upload all the mandatory documents such as identity proof, address proof, income proof, etc.
- Buy the insurance plan after making a payment through a secure online mode. You will receive a confirmation email and SMS with your policy details and documents.
You have successfully bought a health insurance plan with OPD coverage. You can now enjoy the benefits of OPD coverage and claim for medical expenses without hospitalization.
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Conclusion
In this article, we have provided you with a list of 5 Best OPD Health Insurance In India. We have also explained the features, benefits, and exclusions of each plan and why they are suitable for OPD cover.
OPD cover is a valuable benefit that can help you save money and reduce the financial burden of frequent medical visits. OPD cover can also help you get preventive health care and timely diagnosis of any health issues.
However, not all health insurance plans offer OPD cover in India. Therefore, it is important to compare and choose the best health insurance plan with OPD cover according to your needs and budget.
We hope this article helps you find the best health insurance plan with OPD cover in India for yourself and your family. If you want to compare and buy the best health insurance plan with OPD cover online, you can visit Rapidloans.in Health Insurance Section.
FAQs
What is OPD health insurance, and why is it important in India?
OPD health insurance covers the expenses incurred during outpatient treatments, such as doctor consultations, diagnostic tests, and medications. In India, where healthcare costs are rising, OPD insurance can help individuals manage these expenses effectively.
What does a good OPD health insurance plan in India typically cover?
A comprehensive OPD health insurance plan in India typically covers expenses related to doctor consultations, diagnostic tests, pharmacy bills, vaccinations, health check-ups, and even alternative treatments like Ayurveda and Homeopathy.
How does OPD health insurance differ from regular health insurance plans?
Regular health insurance plans primarily cover hospitalization expenses, while OPD insurance is designed for outpatient treatments. OPD insurance can cover expenses even if hospitalization is not required.
What are the factors to consider when choosing the best OPD health insurance plan in India?
When selecting an OPD health insurance plan, consider factors such as the coverage limit, network of healthcare providers, waiting periods, claim process, and premium cost. Assess your specific needs to find a plan that suits you.
Are there any waiting periods associated with OPD health insurance in India?
Yes, most OPD insurance plans have waiting periods for specific treatments or services. It’s crucial to understand these waiting periods before purchasing a policy, as they can vary from one insurer to another.
Can I include my family members under a single OPD health insurance plan?
Yes, many insurers offer family floater OPD health insurance plans, allowing you to cover yourself, your spouse, children, and sometimes even parents under a single policy for added convenience.
How can I file a claim for OPD expenses under my health insurance policy?
To file a claim for OPD expenses, you typically need to submit the bills and receipts along with a claim form to your insurance provider. Some insurers also offer cashless OPD services, where you can avail of treatments without paying upfront at their network hospitals and clinics.
Can pre-existing medical conditions be covered under OPD health insurance in India?
While some OPD health insurance plans may provide coverage for pre-existing conditions, it often comes with waiting periods and certain limitations. It’s essential to check the policy terms and conditions to understand how pre-existing conditions are treated and if they are covered. In some cases, insurers may require a waiting period before covering expenses related to pre-existing conditions.
