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.
This policy covers those treatments if done in certified hospitals of Ayurveda, Unani, Siddha and/or Homeopathy.
Expenses incurred on ICU and ICCU facilities for up to 5% of the total sum insured or ₹10,000 per day is covered.
With this policy, you can choose any room you like as long as it is up to Rs 5,000/day.
A good insurance plan is perfect to protect you, your family or your parents and we help you to explore more!
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Yes, while a health insurance with an OPD cover makes the most sense for fitness enthusiast, anyone needing it can get one too.
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.
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.
Yes, tax reductions are applicable on a health insurance with OPD cover as well.