Cashless OPD Benefits
Streamline outpatient care with cashless OPD coverage in your group health insurance policy.
What is Cashless OPD?
Cashless OPD (Outpatient Department) is a feature in group health insurance policies that allows employees to avail outpatient medical services without paying at the point of service. This includes doctor consultations, diagnostic tests, pharmacy expenses, and other non-hospitalization treatments.
Unlike traditional health insurance that focuses primarily on hospitalization, cashless OPD extends coverage to day-to-day healthcare needs, making it a significant value addition to your employee benefits package.
Services Covered
Doctor Consultations
General physicians and specialists
Diagnostic Tests
Blood tests, X-rays, scans, etc.
Pharmacy Expenses
Prescription medications
Preventive Care
Vaccinations, health check-ups
How Cashless OPD Works
Digital Wallet
Employees receive a pre-funded digital wallet or card with their allocated OPD limit for the policy year.
Network Access
They can visit network hospitals, clinics, diagnostic centers, and pharmacies within the insurer's network.
Seamless Payment
The payment is processed directly between the healthcare provider and the insurance company, requiring no cash payment.
Benefits of Cashless OPD
For Employees
- ✓
No out-of-pocket expenses for regular healthcare needs
- ✓
Encourages preventive care and early diagnosis
- ✓
Convenient access to quality healthcare providers
- ✓
No claim reimbursement paperwork or waiting period
- ✓
Covers day-to-day medical expenses that traditional insurance doesn't
For Employers
- ✓
Enhanced employee benefits package that stands out
- ✓
Reduced absenteeism due to better healthcare access
- ✓
Better employee satisfaction and retention
- ✓
Potential reduction in major medical claims through preventive care
- ✓
Digital tracking and analytics of healthcare utilization
OPD Implementation Options
Basic OPD Cover
Coverage for doctor consultations and basic diagnostic tests, suitable for organizations starting with OPD benefits.
- • Doctor consultations
- • Basic pathology tests
- • Limited pharmacy benefits
Starting from ₹3,000 per employee annually
Comprehensive OPD
Complete outpatient coverage including specialist consultations and advanced diagnostics.
- • All doctor consultations
- • Comprehensive diagnostics
- • Full pharmacy coverage
- • Preventive health check-ups
Starting from ₹5,000 per employee annually
Premium OPD
Enhanced OPD coverage including wellness benefits, mental health support, and dental care.
- • All comprehensive features
- • Dental and vision care
- • Mental health consultations
- • Alternative treatments (AYUSH)
Starting from ₹8,000 per employee annually
Add Cashless OPD to Your Group Health Plan
Enhance your employee benefits with comprehensive cashless OPD coverage. Get a customized quote today.