OPD Coverage Benefits

    Comprehensive outpatient department coverage to complement your group health insurance plan.

    What is OPD Coverage?

    OPD (Outpatient Department) coverage is an extension of health insurance that covers medical expenses incurred without hospitalization. This includes doctor consultations, diagnostic tests, medications, and preventive healthcare services.

    While traditional health insurance typically covers inpatient treatment (hospitalization), OPD coverage fills the gap by taking care of day-to-day medical expenses that don't require hospital stays.

    OPD expenses often constitute a significant portion of an individual's healthcare spending, making this coverage extremely valuable for employees.

    Doctor Consultations

    Coverage for outpatient consultations with general physicians and specialists

    Diagnostics & Tests

    Coverage for laboratory tests, X-rays, and other diagnostic procedures

    Medications

    Coverage for prescription drugs and medicines

    Preventive Health

    Coverage for vaccinations, health check-ups, and other preventive care

    Benefits of OPD Coverage

    OPD coverage provides significant advantages for both employees and employers.

    For Employees

    • Reduced out-of-pocket expenses for routine healthcare
    • Encourages early medical intervention
    • Coverage for chronic condition management
    • Access to telehealth services

    For Employers

    • Reduced absenteeism due to minor illnesses
    • Improved employee productivity
    • Enhanced benefit package for talent attraction
    • Preventive care reducing serious health issues

    OPD Coverage Implementation Options

    Choose from different OPD coverage structures to suit your company's needs.

    Built-in OPD

    OPD coverage integrated directly into the base health insurance policy, usually with a specific sub-limit.

    Ideal for companies wanting simplified administration with a single policy.

    OPD Add-on

    Optional OPD rider that can be added to the base health policy with customizable coverage limits.

    Perfect for organizations seeking flexibility in coverage design and premium allocation.

    Wallet-based OPD

    Digital wallet with pre-loaded amount for employees to use exclusively for OPD expenses.

    Best for companies wanting transparent usage tracking and controlled spending.

    Ready to Add OPD Coverage to Your Plan?

    Contact our team to discuss OPD coverage options that can be tailored to your organization's needs and budget.

    Get OPD Coverage Details