Health Insurance with OPD Cover - Coverage & Benefits
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Health insurance just got 18% cheaper – no GST applicable!

Health insurance with OPD cover

  • All plans cover COVID-19
  • 10300+ cashless hospitals in our network* Search hospital
  • 0% GST on health insurance AO

What is OPD cover?

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.

Key features of OPD cover

Multiple OPD procedures covered

Health insurance with OPD cover offers coverage for several OPD procedures. These include physical consultations, pharmacy expenses, physiotherapy sessions, etc.

Easy opt in

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.

Prompt availability

When you opt for OPD cover in health insurance, you can avail of OPD services from the insurer's empanelled healthcare providers.

Benefits of OPD expenses coverage in health insurance

Covers minor treatments

Medical insurance with OPD cover provides coverage even for minor procedures like sprain management, intravenous injections, nebulizer therapy, etc.

Results in savings

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.

What’s included and what’s not?

  • Inclusions
  • Exclusions

Health insurance plans with OPD coverage covers expenses for:

  • Physical consultations
  • Routine diagnostics and minor procedures
  • Pharmacy
  • Physiotherapy session
  • e-Counselling
  • Diet and nutrition e-Consultation

Read the policy wordings to know the complete list of inclusions.

Medical insurance with OPD cover doesn’t cover:

  • Dental treatment
  • Physiotherapy sessions and counselling availed for psychiatric ailments or mental health issues

Please go through the policy documents to know the exclusions in detail.

Documents required for buying OPD health insurance

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.

Factors to consider while buying OPD health insurance plans

Keep in mind the following things while buying a health policy with OPD cover:

1

Coverage scope

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.

2

Claim procedure

Understand the claim procedure for the OPD cover. Like regular claims, it must be easy, quick and hassle-free.

3

Waiting period

Do figure out the waiting period before you can avail the benefits under this cover. The lower the waiting period, the better it is.

Who should buy OPD cover?

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.

How to buy health insurance with OPD coverage?

To buy OPD cover in health insurance:

  • Visit 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

How to claim OPD health insurance?

To raise a claim:

  • 1

    Download the IL TakeCare App and link your policy

  • 2

    Answer questions to provide your claim details

  • 3

    Upload self-attested original claim documents in PDF or JPEG format

  • 4

    DoSubmit your claim for assessment, which will be processed as per the policy’s terms and conditions

FAQs on OPD cover

Can I buy OPD health insurance online?

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.

Who is eligible for OPD?

This cover can be opted by the insured person up to 65 years. That said, consult your insurer to find out your eligibility.

How does OPD cover work in health insurance?

Through OPD cover in health insurance, you get covered for expenses for which you don’t need hospitalisation.

Is OPD cover included in all health insurance plans?

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.

Is there a waiting period for OPD coverage in health insurance?

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.

Can I get OPD cover for pre-existing conditions?

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.

Does OPD cover include alternative treatments like Ayurveda and Homeopathy?

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.

What is the difference between OPD cover and hospitalisation cover?

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.

Are medicines and diagnostic tests covered under OPD insurance?

Yes, OPD cover does cover medicines and diagnostics tests. Read the policy documents to know the details.

Can I add OPD cover to my existing health insurance policy?

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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ICICI Lombard General Insurance Company Limited,

ICICI Lombard House, 414, Veer Savarkar Marg, Near Siddhi Vinayak Temple, Prabhadevi, Mumbai - 400025.

Reg. No.115

Fax no - 022 61961323

Contact - 1800 2666 (Available 24 x 7)

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ICICI Lombard General Insurance Company Ltd. is one of the leading private sector general insurance company in India offering insurance coverage for motor, health, travel, home, student travel and more. Policies can be purchased and renewed online as well. Immediate issuance of policy copy online.

ICICI trade logo displayed above belongs to ICICI Bank and is used by ICICI Lombard GIC Ltd. under license and Lombard logo belongs to ICICI Lombard GIC Ltd. Insurance is the subject matter of the solicitation. The advertisement contains only an indication of cover offered. For more details on risk factors, terms, conditions and exclusions, please read the sales brochure carefully before concluding a sale. CIN: L67200MH2000PLC129408

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