Health insurance is essential to financial planning, especially in India, where medical costs can be substantial. While most health insurance plans cover hospitalisation expenses, many do not include outpatient department (OPD) expenses, such as doctor consultations, diagnostic tests, and minor procedures. Fortunately, several insurers in India now offer health insurance plans with OPD coverage, providing comprehensive coverage for both inpatient and outpatient medical costs.
1. Niva Bupa Health Companion Plan
Niva Bupa’s Health Companion Plan is a comprehensive medical insurance plans that offers OPD coverage as an add-on benefit. This plan provides extensive coverage and benefits for individuals, families, and senior citizens and is one of the best health insurance in India.
Key Features:
- OPD Cover: Includes doctor consultations, diagnostic tests, and pharmacy expenses.
- Hospitalisation Cover: Covers inpatient hospitalisation pre and post-hospitalisation expenses.
- Annual Health Check-Up: Offers annual health check-ups for all insured members.
- No Claim Bonus: Increases the sum insured for every claim-free year.
2. Star Health Comprehensive Plan
Star Health Comprehensive Plan is designed to provide extensive health coverage, including OPD expenses. It suits individuals and families looking for all-around protection against medical expenses.
Key Features:
- OPD Cover: Covers consultations, diagnostic tests, and minor procedures.
- Inpatient Cover: Includes hospitalisation expenses, room rent, and ICU charges.
- Day Care Procedures: Covers a wide range of daycare treatments.
- Annual Health Check-Up: Provides annual health check-ups for policyholders.
3. HDFC ERGO Health Maxima Plan
HDFC ERGO’s Maxima Plan offers a unique medical insurance plans with comprehensive coverage and OPD benefits. It is ideal for those seeking extensive outpatient and inpatient care.
Key Features:
- OPD Cover: Includes doctor consultations, diagnostic tests, dental treatments, and pharmacy bills.
- Cashless Hospitalisation: Access to a wide network of hospitals for cashless treatment.
- Maternity Cover: Covers maternity expenses, including pre and postnatal care.
- Health Check-Ups: Provides annual health check-ups.
4. Care Health Insurance Care Platinum
Care Health Insurance’s Care Platinum Plan offers robust health insurance planning with OPD cover, providing financial protection against various medical expenses.
Key Features:
- OPD Cover: Covers doctor visits, diagnostic tests, and pharmacy expenses.
- Hospitalisation Cover: Includes inpatient care, room rent, ICU charges, and surgery costs.
- No Claim Bonus: Up to 150% increase in sum insured for claim-free years.
- Health Check-Ups: Annual health check-ups for all insured members.
5. ICICI Lombard Complete Health Insurance
ICICI Lombard’s Complete Health Insurance Plan provides comprehensive health insurance With OPD cover for individuals and families.
Key Features:
- OPD Cover: Covers consultations, diagnostic tests, and pharmacy bills.
- Inpatient Care: Includes hospitalisation expenses, room rent, and ICU charges.
- Wellness Programs: Access to wellness programs and health coaching.
- Free Health Check-Ups: Offers free health check-ups for policyholders.
6. Bajaj Allianz Health Guard Plan
Bajaj Allianz’s Health Guard Plan is a popular health insurance planning that offers extensive coverage, including an optional OPD cover. It is designed to cater to the needs of individuals and families.
Key Features:
- OPD Cover: Covers consultations, diagnostic tests, and pharmacy expenses.
- Hospitalisation Cover: Includes inpatient hospitalisation, room rent, and surgery costs.
- Maternity Cover: Covers maternity expenses and newborn baby cover.
- Health Check-Ups: Annual health check-ups for all insured members.
7. Tata AIG MediCare Premier
Tata AIG’s MediCare Premier Plan offers a comprehensive health insurance planning with OPD cover as an add-on. It is suitable for individuals seeking extensive medical coverage.
Key Features:
- OPD Cover: Includes doctor consultations, diagnostic tests, and pharmacy bills.
- Inpatient Cover: Covers hospitalisation expenses, room rent, ICU charges, and surgeries.
- Critical Illness Cover: Optional cover for critical illnesses.
- Health Check-Ups: Annual health check-ups for all insured members.
8. Apollo Munich Maxima Health Plan
Apollo Munich (now HDFC ERGO) Maxima Health Plan is a unique health insurance policy offering health insurance With OPD cover benefits.
Key Features:
- OPD Cover: Includes doctor consultations, diagnostic tests, dental treatments, and pharmacy bills.
- Cashless Hospitalisation: Access to a wide network of hospitals for cashless treatment.
- Maternity Cover: Covers maternity expenses, including pre and postnatal care.
- Health Check-Ups: Provides annual health check-ups.
9. Aditya Birla Activ Health Platinum Enhanced
Aditya Birla Activ Health Platinum Enhanced Plan offers extensive health coverage, including OPD benefits, making it a comprehensive choice for policyholders.
Key Features:
- OPD Cover: Includes doctor consultations, diagnostic tests, and pharmacy bills.
- Inpatient Cover: Covers hospitalisation expenses, room rent, ICU charges, and surgical costs.
- Wellness Benefits: Access to wellness coaching and health assessments.
- Chronic Management Program: Covers chronic illnesses from day one.
Conclusion
Selecting a health insurance plan with OPD coverage is crucial for comprehensive healthcare coverage. These plans cover hospitalisation expenses and help manage routine medical costs such as doctor consultations, diagnostic tests, and pharmacy bills. When choosing a health insurance plan, consider coverage, network hospitals, premiums, and additional benefits to find the plan that best suits your needs. With the right health insurance plan, you can ensure financial protection against various medical expenses, ensuring peace of mind and access to quality healthcare. While many plans are available in the market if you are looking for the best health insurance company in India, then your search ends here; connect with Niva Bupa today.