OPD Cover Ensures in India: Corona Pandemic has made everyone aware about health insurance. Now everyone does not have to think much about getting health insurance for himself and his family. They have understood its importance. If you are thinking about taking health insurance, then this news can prove to be of your use.
OPD cover was not available earlier
It is to be known that earlier OPD cover was not available in most of the traditional health insurance policies. This means that if you get treatment without going to the hospital, then you will have to spend from your pocket. This cost is very high. That is why it is very important to have OPD cover in a health insurance policy.
Understand why such cover is necessary
Amit Chhabra, Head of Health and Travel Insurance, Policy Bazaar, says that the importance of OPD cover can be understood from the fact that only OPD expenses account for up to 70 percent of the total healthcare expenses. In most diseases, the patient does not need to be admitted to the hospital. He only has to go to the hospital after consulting the doctor and get the medicines done after getting tests etc. Now companies are providing OPD cover either in-built or as an add-on to the insurance policy. While taking a health insurance policy, make sure that your policy has OPD cover. If the policy does not have inbuilt OPD cover then add it to the policy through add ons.
These expenses will be included
OPD Expenses
OPD expenses are incurred when we go to the hospital for consultation, check-up or any test. Without OPD cover, we have to pay out of pocket for all this. These things are included in the OPD cover.
doctor consultation
OPD cover includes the fees charged for consultation with the doctor. If someone is sick, many trips to the hospital may have to be made. Every time the doctor has to pay the consultation fee.
diagnostic tests
Many types of tests may also have to be done in case of illness. These cost a lot before the actual treatment starts. If you have OPD cover in your policy then you will be saved from this cost.
drug costs
A lot of money is spent on medicines for the treatment of disease. The insurance company also compensates for the money on the pharmacy in the OPD cover.
waiting period
In some policies that come with OPD cover, you get a waiting period. In some of it there is no such condition. So be sure to know about the waiting period. Some of its companies offer a sum assured ranging from Rs 3,000 to Rs 50,000. Find out about it.
cashless facility
Let us tell you that while taking a policy with OPD cover, keep in mind that if you are taking cashless option insurance, then this facility will be available only in the network hospital of the company. Not in other hospitals. So while taking the policy, choose the company which has the most number of hospitals in the network.