Health Care with OPD Expense Coverage
It’s not always that illness requires hospitalization. Often, the doctor advice, diagnosis, and treatment. That can be done expediently and conveniently; without a hospital stay. In the universe of healthcare, this is termed as O.P.D. ‘Out-Patient Department’ or Day Care Procedures, to discover these patients from the people occupying hospital beds, otherwise known as ‘Inpatients’.
If you are availing daycare procedures or OPD treatment. It basically involves you are consulting a doctor. As well as other facilities at the hospital – such as check-ups, scanning, etc; without getting admitted. Perhaps, outpatient insurance coverage was not covered by insurers. But since the consultation fees, pharmacy bills, diagnostic tests, dental treatments, etc. this can stop up burning a hole in the pocket, insurance companies have lately commenced offering some OPD cover. But Sadly, that is very expensive as yet. Since they charge an equal or extra premium to offer an OPD cover whereas they are already charging for health policy.
What is OPD Treatment?
OPD Treatment means the one in which you visit a doctor in a clinic/hospital or associated facility for diagnosis and treatment based on the advice. You do not have to be admitted for daycare or in-patient.
What is OPD Cover in Health Schemes?
OPD cover necessitates care of various daycare procedures expenses. Such as consultations fee, medical bills, diagnostic tests, health check-ups, etc. that’s without having to get admitted to a hospital.
Why should you buy the OPD Health Cover?
Many of us, whether aware or not, abandon to realize the importance of an OPD cover. The goals could vary after all, how often do I visit the hospital for the OPD Treatment? Am I actually preparing an X-ray, scan, blood test, etc., ever so often to contribute for an OPD Health Cover? One doesn’t understand that out-of-pocket medical expenses account for 82% of all healthcare costs in India.
Here are the highlights:
- OPD cover allows you to get claims for expenses incurred, without hospitalization.
- These plans offer meaningful tax benefits. For example, you can claim tax freedom on the premium paid. Any claims you execute are TDS-exempt.
- The charge of medicines, along with diagnostics; minor procedures are also covered.
- Unlike other insurance plans that pay claims based on hospitalization. That can be for pre or post-hospitalization cover. The sum assured is based on the age of the underwritten.
- You can claim OPD obligations without an extensive wait – Yes, instantly better covered then insurer do with lots of conditions criteria .
- These OPD Covers instantly for minor to major illness/disease. Big zone to cover all opd requirement for heart disease, stroke, thyroid, kidney, HPV, HIV, Cancer, Diabetes, so on.
- You can make various claims within the same year until the limit is consumed.
Rest assured, Outpatient Health Coverage guarantees that you always have access to the best of healthcare, without hurting a hole in your pocket.
Who should take OPD Cover?
OPD Health Cover is a boon for anybody who might incur health-care payments without hospitalization. This will help minor prescriptions like viral fever and in cases of some chronic conditions like diabetes, back pain, arthritis or any other chronic condition that requires frequent visits to the doctor. So, OPD Health cover is required cover.
What is included in OPD Cover?
- Professional Fees: Fees for medically necessary consultation and examination by medical practitioners to evaluate your health for any illness.
- Diagnostic: Medically necessary out-patient diagnostic procedures such as pathology, x-rays, brain and body scans (MRI, CT scans), etc. used to secure a diagnosis for treatment from a diagnostic center.
- Surgical Treatment: Minor Surgical treatment such as POP, suturing, dressings for circumstances and animal bite-related outpatient modes, etc. moved out by a Medical Practitioner.
- Medication Drugs and medicines prescribed by a Medical Practitioner.
- Out-Patient Dental Treatment
- Hearing Aids
- Psychiatric Illness Treatment
What is not included in OPD Cover?
This cover prohibits expenses incurred towards Spectacles, Contact Lenses, Cosmetic Procedures, and Physiotherapy, Ambulatory Devices like Walkers, Glucometers, Thermometers, BP Monitors, Dietician Fees, Supplements and Vitamins.
How can you avail OPD Cover with Root Health Account?
Health insurers normally offer it as an add-on with the base policy charging an equal or extra premium for it. But, it might not accommodate all daycare procedures. So, it is always wise to see have RHA wherein you would be having non-insurance OPD Health Cover for your all needs. Outpatient health coverage is one of those advantages that might look unimportant but actually can protect the day when you are in a difficult situation.