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Beyond Hospitalisation: Best Medical Insurance with OPD Coverage

Beyond Hospitalisation: Best Medical Insurance with OPD Coverage

Many people assume that health insurance policies can only be used for dealing with severe medical illnesses. When it seems like they have a small ailment, they refuse to visit the doctor. They only go to the hospital when the illness has morphed into something much worse. Thus, a lot of people only claim insurance coverage when they have been hospitalised, or worse.

There is no need to delay treatment though. Visiting the Outpatient Department for even minor illnesses is very helpful for any policyholder. Not only are they having their illness dealt with, but the doctors can have an examination of the policyholder as well. They can find out if there are any hidden or latent illnesses within the policyholder as well. This provides the policyholder with an early diagnosis of any serious illness and early treatment.

Unfortunately, OPD appointments and check-ups are not free, and the cost of a consultation varies between hospitals. This makes people feel discouraged from seeking medical aid at the right time. Fortunately, some of the best medical insurance in India offer OPD coverage as part of the base plan. This is to incentivise and ensure policyholders get the medical help they want whenever they need it.

What is Included in OPD Coverage?

OPD Cover provides coverage for the following:

What Isn’t Included?

These illnesses and costs aren’t covered by OPD Coverage:

Eligibility Criteria for OPD Coverage

As with the eligibility requirements for any insurance policy, policyholders have to meet some simple eligibility criteria for OPD Coverage. The following are the requirements to be eligible for OPD Coverage:

Benefits of OPD Coverage

OPD Coverage can save you a lot of money on medical costs. Costs like doctor’s consultations, diagnostic tests and prescription medicines will be reimbursed by availing OPD Coverage. You can thus avoid having to pay for these costs. Some other benefits of OPD Coverage are:

How to Compare OPD Coverages

Getting a diagnosis, having a consultation, or being treated for an illness at the Outpatient Department requires policyholders to spend a maximum of 24 hours there. Many insurance policies cover any costs you may incur as a result of these treatments. They can also be covered through add-on covers if they aren’t covered by your base policy.

It is important to compare the various OPD coverage and policies on the following factors. This will help policyholders make an informed decision on picking the best OPD coverage for you.

Conclusion

Understanding what OPD Coverage is, understanding how it can be claimed, and looking at its benefits is important for anyone to know. This information will help you find and choose the right OPD policy for you. Some of the best medical insurance in India like Niva Bupa offer insurance policies that automatically cover OPD expenses.

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