OPD Health Insurance

What is an OPD benefit?
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.

What is OPD Treatment?
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.

The important thing to note here is that OPD treatments DO NOT require hospitalization. Hence, this includes treatments for fractures, various necessary dental treatments, and minor surgeries.

What's great about Digit Health Insurance with OPD cover?
Easy Online Processes - From the process of buying a health insurance with OPD cover to making claims is paperless, easy, quick and hassle-free! No hard copies, even for claims!

Covers Pandemics - If there's anything that 2020 has taught us, it is that everything is uncertain! Whether it's the COVID-19 or any other virus, pandemics are covered!

No Age Based Copayment - Our Health Insurance comes with no age based Copayment. This means, during your claims- you need not pay anything from your pocket.

No Room Rent Restriction - Everyone has different preferences and we understand that. That's why, we have no room rent restrictions. Choose any hospital room you prefer.

Cumulative Bonus - A reward for staying healthy! Get Yearly Cumulative Bonus.

Get Treated at any Hospital - Choose from 5900+ of our network hospitals in India for cashless claims or opt for a reimbursement.




What's not covered?
The OPD cover excludes expenses incurred towards Spectacles, Contact Lenses and Physiotherapy, Cosmetic Procedures, Ambulatory Devices like Walkers, BP Monitors, Glucometers, Thermometers, Dietician Fees, Vitamins and Supplements.


Who should buy a Health insurance with OPD cover?
Fitness Enthusiasts: We've customized a health insurance with OPD cover called the Fit Option for fitness enthusiasts given that, while people like you are extremely fit and less prone to illnesses, you are still prone to gym and workout-related injuries which is where your OPD cover may be very useful for you. Additionally, a health insurance will always help you in your annual tax savings as well.

People between the age group 25-40 years: Most young people today are opting for a health insurance given the cheaper premiums, to complete waiting periods early and of course, to save on tax too. If you're one of them too- you can opt for a health insurance with an OPD cover. This way, even though you may feel you're less likely to use other benefits from your health insurance, you will definitely need your OPD benefit for something or the other.

Senior Citizens: Senior citizens are one of those people who probably require a health insurance the most. However, it is important to consider taking one with an OPD cover since apart from what a regular health insurance offers, seniors are usually more likely require OPD treatments like dental treatments and minor surgeries. Hence, a health insurance with an OPD cover will help cover for both regular health insurance benefits and OPD treatments as well.

Working professionals with limited group medical insurance coverage: If you're someone who already has a group medical insurance from your employer but, want an additional health insurance coverage for better protection, you can opt for a top-up health insurance plan or a health insurance with an OPD cover since a lot of group medical insurance plans don't include OPD benefits. Hence, an additional health insurance can give you benefits beyond your employer plan and help in your annual tax savings too!