The coronavirus epidemic has raised everyone’s awareness regarding the importance of health
insurance. It is no longer considered a choice, but rather a necessity for the safety of oneself and family.
Considering the rising medical care expenses and the growth in lifestyle-related disorders caused by our sedentary
lives, having health insurance coverage is vital.
Many people are unaware that health insurance coverage does not cover all of the expenses of curing
an illness. Basic health insurance coverage, for example, only covers some in-patient or hospitalization expenses
while excluding home treatment expenses such as diagnostic charges, doctor’s fees, and home care packages.
Furthermore, most health insurance policies do not cover treatment expenses for medical care that does not require
According to various estimates, approximately 60% of medical care expenses for Indian patients are
paid out of pocket. As a result, the exclusion of outpatient expenses has emerged as a major concern. Some of the
biggest insurers have created (Outpatient Department) OPD solutions to cover outpatient charges such as diagnostic
costs, doctor’s fees, pharmacy, and other items to bridge this gap.
Here are the details of OPD coverage in health insurance.
There are various benefits of having OPD coverage as part of your health insurance policy. Some of
these are discussed further below:
Purchasing health insurance plans that provide extra coverage advantages not only allows you to
save more money but also allows you to receive timely treatment without any financial concern. Even if your health
insurance policy does not include OPD coverage, you can add it as an add-on benefit if it is available.
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