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Extensive coverage for you and your family
Covers pre- and post-hospitalisation expenses
Protects against high medical costs
0% GST on health insurance AO
OPD cover is an add-on in health insurance that helps you get coverage for treatment where you are not admitted as a day care or in-patient care. In other words, it provides coverage for medical expenses that don’t require hospitalisation.
Health insurance with OPD cover offers coverage for several OPD procedures. These include physical consultations, pharmacy expenses, physiotherapy sessions, etc.
You can easily opt for OPD cover by paying a little extra premium in addition to your base policy. This cover further reduces out-of-pocket expenses for your medical needs.
When you opt for OPD cover in health insurance, you can avail of OPD services from the insurer's empanelled healthcare providers.
Medical insurance with OPD cover provides coverage even for minor procedures like sprain management, intravenous injections, nebulizer therapy, etc.
OPD procedures can be a costly affair if you need to undergo them frequently. OPD cover can result in significant savings in the long run.
Read the policy wordings to know the complete list of inclusions.
Please go through the policy documents to know the exclusions in detail.
As OPD cover is an add-on that you can opt for while buying health insurance. You don’t need to provide any document to buy this cover. However, you do need to provide basic details related to your identity and address to purchase health insurance.
Keep in mind the following things while buying a health policy with OPD cover:
Check whether your health insurance has the option to add an OPD cover. In other words, find out about its inclusions and exclusions to avoid surprises.
Understand the claim procedure for the OPD cover. Like regular claims, it must be easy, quick and hassle-free.
Do figure out the waiting period before you can avail the benefits under this cover. The lower the waiting period, the better it is.
While anybody can buy an OPD cover, it’s more useful for those who regularly need OPD services. Depending on your health needs, if you feel the requirement for frequent OPD visits and procedures, you can buy this cover.
To buy OPD cover in health insurance:
Visit the Health Insurance Page on our Website
Choose the health plan you wish to buy
Fill out the details, including your name, mobile number, email ID, number of people you want to cover, etc
You will get a quote basis the details filled
Choose the OPD cover add-on from the several add-ons available
Pay the premium and you are done
To raise a claim:
Download the IL TakeCare App and link your policy
Answer questions to provide your claim details
Upload self-attested original claim documents in PDF or JPEG format
DoSubmit your claim for assessment, which will be processed as per the policy’s terms and conditions
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Yes, you can buy an OPD cover online while buying health insurance. As this is an add-on cover, you can add it to your base policy during online purchase.
This cover can be opted by the insured person up to 65 years. That said, consult your insurer to find out your eligibility.
Through OPD cover in health insurance, you get covered for expenses for which you don’t need hospitalisation.
The inclusion of OPD cover in a health plan is at the sole discretion of the insurance company. Though most health plans do offer this cover, there are plans where it may not be available. It’s wise to cross-check with your insurer provider before purchase.
It is advisable to go through the policy wording to see if there’s any applicable waiting period before you can avail yourself of OPD benefits.
Check with your insurer if you can get OPD cover for pre-existing conditions. Note that such conditions have a waiting period which could be of 1 or 2 years, depending on the policy’s terms.
Yes, OPD cover does cover alternate treatments like Ayurveda and homeopathy. However, to be safe, read the policy wordings and consult with your insurer if needed.
OPD covers expenses for procedures that don’t require hospitalisation. On the other hand, hospitalisation cover helps you meet costs incurred when you are hospitalised for some days.
Yes, OPD cover does cover medicines and diagnostics tests. Read the policy documents to know the details.
You can add OPD cover to your existing health insurance plan during policy renewal. That said, check with your insurer to see if there’s any provision to add it to while there’s still some time before renewal.
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