Medical expenses are skyrocketing with each passing year, making it difficult for many Indians to bear the medical treatment and hospitalization costs. Fortunately, health insurance plans provide proper financial aid to cover medical expenses in case you suffer from an accident or a disease. However, even these medical insurance policies don’t cover the fees for medical treatments or consultations that don’t require admission to the hospital. To cover these costs, you need health insurance plans with OPD coverage. Still, finding a good health plan that offers OPD coverage is a difficult task. It might take hours or days to find a good plan. But don’t worry. In this article, we will talk about the top health insurance plans that offer OPD coverage benefits. Let’s dig in.
What is an OPD Coverage?
OPD cover means health insurance coverage that pays the bill for outpatient medical treatment. Health insurance with OPD cover makes sure that the insurers pay for the medical bills of the policyholders for the treatment they receive out of the hospital. Most insurance companies don’t offer a health plan with active OPD coverage. So, you usually need to purchase it as an add-on to your primary health plan.
However, there are some insurance companies that offer health plans that come with OPD coverage. We will talk about those insurance policies in the next section.
Top Health Insurance Plans with OPD Coverage
Here’s a list of the best health insurance plans in India with OPD cover:
Navi Health Insurance with OPD Cover
One of the best health OPD coverages in India, Navi Health Insurance with OPD Cover, offers up to Rs. 1 crore in OPD and other medical coverages. It comes with affordable premiums starting with Rs. 235 per month and pays for any and all minor medical bills that don’t require prolonged hospitalizations.
Apart from OPD coverages, it also pays for the expenses of air ambulance service, complimentary health checkups, maternity benefits, and even in-home hospitalizations. Navi has a network of over 10,000 hospitals all over the country that allows you to enjoy cashless claim settlement with zero paperwork. You can even make an OPD claim right through the Navi app just with a few clicks. All of these factors make it one of the best health insurance plans in India with OPD cover.
Aditya Birla Activ Health Enhanced Platinum Plan
This health plan from Aditya Birla comes with a pre-built OPD cover, and it covers many out-of-the-hospital medical costs, including the cost of a dental consultation. It has a maximum coverage of Rs. 2 crores and is available as both family floater and individual plans. This health plan pays up to 10% of the OPD limit for a visit to a specialist or general physician. And it pays up to 50% of the total OPD limit for medicine or diagnostic bills.
Bajaj Allianz Tax Gain Health Insurance Plan with OPD Cover
As long as your age is between 18 and 75 years, you can secure the Bajaj Allianz Tax Gain Health Insurance Plan with OPD Cover. This health plan covers your whole family and covers both OPD and hospital expenses. With this plan, the policyholder can get cashless claim settlements in over 6,500 hospitals all over the country. It also covers dental procedures, clutches, and spectacles.
Cholamandalam Family Healthline Plan
The family Healthline plan from Chola covers a policyholder’s whole family, and it also offers OPD coverage as an add-on. Just by paying a few extra bucks, you can get premium OPD coverage that will take care of the cost of dental treatments, hearing aids, spectacles, contact lenses, and other outpatient medical costs.
Bharti AXA Health AdvantEdge Plan (Royal & Apex Variant)
The Bharti AXA Health AdvantEdge Plan comes with two different variants, and both of them offer OPD covers for medical and dental treatment bills. The Royal variant of this health insurance with OPD coverage provides coverage of up to Rs. 50 lakhs, while the Apex variant offers up to Rs. 3 crores in medical coverage.
The OPD coverage of this health plan is limited to 0.5% of the total insured sum or Rs. 1 lakh, whichever costs less. You get to enjoy in-network pharmacy, diagnostics tests, physiotherapy, and doctor’s consultation under its OPD cover.
Care Family Health Insurance Plan
This is one of the best health insurance plans with OPD cover that offers comprehensive coverage for a wide range of surgeries, medical procedures, and ailments. This package provides OPD insurance as optional coverage. The OPD plan covers up to Rs. 50,000 depending on your needs and out-of-hospital medical bills.
Digit Care Plus OPD Insurance Plan
Digit Care Plus is a special OPD plan that is specifically created to cover OPD treatment bills. You can claim expenses such as diagnostic fees, surgical treatment bills, dental treatment bills, medical consultations, examination fees, hearing aid costs, and much more. It also covers COVID-19 hospitalization bills.
Niva Bupa (Formerly known as Max Bupa) Go Activ Health Plan.
Previously known as Max Bupa, Niva Bupa Go Activ Health Plan comes with cashless OPD coverage benefits. Thanks to this, the policyholder can go for regular hospital visits while saving money. This medical insurance plan with OPD coverage provides the policyholder with up to 10 cashless OPD consultations with almost 10,000 doctors available in Practo. It includes professional medical consultations with specialists, pediatricians, orthopedics, general physicians, dentists, or any other medical expert according to the needs of the policyholder.
Final Thoughts
While there are quite a few health plans that offer OPD coverage, most of them provide a subpar service when it comes to paying for OPD expenses. However, a policyholder might face large amounts of medical expenses even if they don’t get hospitalized. If you don’t want to get burdened by these outpatient medical costs, securing the best health insurance plans with OPD coverage is crucial. We have listed some of the top health plans with OPD covers above. Go through each of them and find which one meets your needs to choose the right plan for you.
