OPD cover ensured in India: The corona pandemic has made everyone aware about health insurance. Now everyone does not need to think much about getting health insurance for himself and his family. They have understood its importance. If you are thinking of taking health insurance, then this news can prove to be of your use.
OPD cover was not available earlier
It may be noted 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 pay out of your pocket. This cost is too high. OPD coverage in a health insurance policy is crucial for this reason.
Understand why a such cover is necessaryÂ
These expenses will be included
OPD Expenses
OPD cost is when we go to the hospital for a consultation, examination, or any test. Without OPD cover, we would have to pay out of pocket for all this. These items are included in the OPD cover.
Doctor consultation Â
The OPD cover includes the fee charged for the doctor’s consultation. If someone is sick then many trips to the hospital may have to be made. The doctor is required to pay a consultation fee each time.
Diagnostic testsÂ
If there is a disease, many types of tests may also have to be done. These cost a lot before the actual treatment begins. If your policy has OPD cover then you will be saved from this cost.
Drug costsÂ
A lot of money is spent on medicines for the treatment of diseases. The insurance company also reimburses the money at the pharmacy in the OPD cover.
Waiting periodÂ
Some insurance packages that provide OPD coverage have a waiting period. There may not always be a circumstance like this. Therefore, be careful to be aware of the waiting period. Some of its companies offer sum insured ranging from Rs 3,000 to Rs 50,000. Find out about it.
Read More: Bharat Gaurav Train: This unique train will operate for the first time between Delhi to Katra.
Cashless facilityÂ
Let us remind you that if you choose insurance with a cashless option, this feature will only be available when you purchase a policy with OPD coverage. in the network hospital of the company. Not in other hospitals. Therefore, while taking a policy, choose the company that has the maximum number of hospitals in its network.
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