Best Health Insurance Plans with OPD Benefits
Health Insurance with Comprehensive OPD Coverage
Hardly anyone can deny the necessity of comprehensive health insurance as an essential backup these days. However, not all medical insurance policies provide coverage for outpatient consultation that separately demands health plans having OPD coverage. So, let us explore the features of a health insurance policy with OPD coverage benefits.
OPD Health Insurance Plan Essentials
Unlike traditional health insurance policies that solely focus towards covering inpatient treatments, OPD health insurance policies offer coverage for:
- Doctor consultation
- Investigative tests
- Diagnostic tests
- Medicinal expenses
Overall, it plays a vital role in safeguarding your savings and assisting you in availing top-tier treatment right on time.
Various Options Provided to OPD Health Insurance Policyholders
If you proceed to buy medical insurance that comes with OPD coverage, you can explore the following choices:
- Several Cover Options: You can add up to 6 family members while availing OPD health insurance. Furthermore, the insured sum options are divided into four brackets: Rs. 25,000/ 50,000/75,000/ 1 Lakh in a single year.
- Varying Plan Options: OPD health insurance has three separate plan options - Silver, Gold and Platinum. As a policyholder, you will benefit from a reduced waiting period if you select an upgraded health insurance plan. For instance, Platinum insurance comes with a waiting period of 12 months. Contrarily, the Silver and Gold plans exhibit a waiting period of 48 months and 24 months, respectively.
- Coverage for Non-Allopathic Treatment: You can get compensation for medical costs incurred under the AYUSH scheme upon procuring outpatient health insurance coverage. This coverage can be applicable for individuals as well as multiple family members based on the policy type you choose.
Besides these options, OPD health insurance also ensures the following benefits:
- Coverage for dental treatment or tooth complications arising from accidents
- Reimbursement for medical expenses towards ophthalmic procedures following accidental incidents
- Coverage for physiotherapy expenses at networked medical facilities.
All in all, OPD health insurance proves to be quite useful for everyone, as in the majority of cases we encounter minor issues that do not require hospitalisation.
Moreover, OPD health policies empower beneficiaries to seek financial assistance for surgical procedures that do not necessitate 24-hour hospitalisation. Therefore, these health insurance plans can be your key to availing timely healthcare, enhancing the overall accessibility to top-notch medical facilities. You can start exploring the best OPD health insurance provided by Star Health today!
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