It also covers medical advice and fees for checking the health of a person for disease, along with the expenses of medicines, it also covers small treatment.
The corona epidemic has made people understand the importance of health insurance. Due to this, the number of people taking health insurance policy has increased rapidly in the last few months. In such a situation, if you are also planning to take health insurance, then it will be more beneficial for you to take OPD (outpatient department) health insurance instead of taking a regular health insurance policy. We are telling you about OPD Health Insurance.
Benefits of taking OPD cover
In regular health insurance, cover is available only on hospitalization. Most companies do not include OPD and dental care expenses in their policies. In OPD cover, policyholders get cover for the cost of medicines, contact lenses, eyeglasses etc. apart from simple fever, dental treatment, diagnostic test, annual health check-up and doctor’s fees. Under the OPD health insurance policy, if you are going to the hospital for medical consultations, then it also gets insurance cover.
What items are in the cover?
This includes medical advice and health check fees for a person. This includes x-ray, brain and body scans, and medications. Apart from this, minor surgeries like POP, dressing for accident and OPD on animal bite are covered.
How can claim
To claim OPD expenses, the policyholder has to give the details of the doctor’s prescription and medical expenses. However, most companies fix the OPD spending amount much less than the total sum insured. If there is a health insurance of 3 lakh rupees then the insurance companies decide to spend 8 to 10 thousand rupees on OPD.
Its premium remains high
Although OPD covered policy is beneficial as compared to regular health insurance policy, you will have to pay higher premium for it. These premiums can be as high as 20 to 30%.
Tax exemption benefits
Policy holders can avail more tax exemption if they take a health policy with OPD cover as compared to regular health insurance policy. Under the Income Tax section 80D, the policy taker can also get tax exemption on doctor’s fees and medicines bills. However, it does not provide cover for serious congenital diseases.
Keep this in mind
Keep in mind that it is not necessary that the OPD cover covers all the day-care procedures, so check the benefits from which you have taken insurance when the benefits are available.