Health Insurance with OPD Cover

OPD or Outpatient Department treatment refers treatments and diagnosis done on advice of a medical practitioner or doctor, by simply visiting their clinic or even a doctor’s consultation room at a multispecialty hospital.

Not every illness or injury needs hospitalization. Consultations, diagnosis and treatments can be done expediently and conveniently without a hospital stay. In the world of healthcare, this is termed as OPD- ‘Out-Patient Department’. So, what an OPD cover does is, it takes care of the medical bills arising out of the OPD treatment you may need, as per your health condition. All your doctor consultations for any health condition or injury, or that root canal your dentist suggested you just have to get done! All of these ups and downs in your personal health journey come under OPD.

Ayush

This policy covers those treatments if done in certified hospitals of Ayurveda, Unani, Siddha and/or Homeopathy.

ICU

Expenses incurred on ICU and ICCU facilities for up to 5% of the total sum insured or ₹10,000 per day is covered.

Room rent

With this policy, you can choose any room you like as long as it is up to Rs 5,000/day.

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Learn more from our Our FAQ

We consistently strive to make insurance easier, more affordable and more dependable. Here promises are kept, claims are fulfilled and lives are nurtured with utmost commitment

  • I’m not a fitness enthusiast, can I still get a health insurance with an OPD cover?

    Yes, while a health insurance with an OPD cover makes the most sense for fitness enthusiast, anyone needing it can get one too.

  • What is the difference between OPD and Daycare Procedures?

    OPD refers to all medical treatments and doctor consultations one may require without having to be admitted at the hospital, whereas daycare procedures refer to minor surgeries or other treatments that do require one to be admitted to the hospital, however – for less than 24 hours only.

  • Can I only buy an independent OPD insurance?

    This depends on your health insurer. With Digit, we offer this benefit along with our Smart Health Insurance option since this proves to be more beneficial for most people; so that you’re not only covered against minor treatments and doctor consultations but are also protected through any unfortunate circumstance such as an accident or any other illness.

  • Will I get tax reduction with a health insurance with OPD cover?

    Yes, tax reductions are applicable on a health insurance with OPD cover as well.