Health Insurance We can fall ill anytime. For this it is very important to have health insurance. If you do not have health insurance now, then you should get health insurance for yourself and your family as soon as possible. If you have health insurance, then you should check whether you have the facility of OPD coverage in it or not. Let us know why OPD coverage is important?
Although no one likes to be ill, people like to do health insurance to cover their medical expenses. Many companies in the country provide health insurance facilities. Whenever you take health insurance, you have to keep in mind what coverage you are getting.
Many health policies cover surgery, hospitalization and other medical expenses. However, you can add-on the coverage in the insurance policy as per your convenience. You can also add OPD (Outpatient Department) coverage. Let us know why OPD coverage is important in health insurance.
What is OPD coverage?
You can also add OPD coverage to health insurance. It covers pre-hospitalization treatment expenses. For example, if you get treatment in OPD for a disease like cough or migraine, then the expenses of this treatment are also covered under OPD coverage. If your health insurance does not have OPD coverage, you will have to pay the OPD expenses yourself.
Actually, minor diseases are treated in the outpatient department. In this the patient does not need to be admitted to the hospital. Apart from this, if you regularly visit a doctor for any disease or take any medicines, then this is also included in OPD.
How many types of OPD coverage are there?
You get two types of OPD coverage in health insurance.
OPD rider
OPD rider allows you to add-on OPD coverage to your existing health insurance. For this you have to pay additional premium. In OPD rider you have to submit the bill for the treatment of your illness.
OPD cash benefit
In health insurance, you can add OPD coverage to the policy by paying an extra premium. In this you can also avail the benefit of cash benefit. In this, you are given a fixed amount for any treatment.
Benefits of OPD coverage
Reduces medical expenses
Once OPD coverage is included in health insurance, your medical expenses get reduced. Apart from this, the policy holder can also take care of regular medical expenses.
Full medical care
The facility of OPD coverage in Health Insurance gives you the benefit of complete medical services. We all know how important health has become in today’s time. OPD coverage covers doctor consultation, medicines etc. Minor diseases like viral fever are covered in this.
Care coverage
We all know that prevention is better than cure. For this reason it is said that every person should get his full body checkup done once a year. In health insurance, you get benefits like full body checkup. OPD coverage also covers expenses like screening and vaccination. In this way you can get the benefit of full body care in health insurance.
Tax benefit
You get the benefit of tax benefits in many health insurance. You can avail tax deduction under 80D of the Income Tax Act 1961.
Disadvantages of OPD coverage
You may have to pay a higher premium to include OPD coverage in your health insurance.
Many diseases are not covered in OPD coverage.
Many treatments like cosmetic surgery are not covered in OPD coverage.
