OPD (Outpatient Department) cover in a mediclaim policy refers to the coverage provided for outpatient medical expenses that do not require hospitalization. This can include doctor consultations, diagnostic tests, pharmacy expenses, and minor procedures. Unlike traditional mediclaim policies that only cover hospitalization costs, OPD cover allows policyholders to claim reimbursement or cashless treatment for outpatient services.
Key points about OPD cover in mediclaim:
Scope of Coverage: Includes doctor visits, lab tests, and prescribed medications.
Claim Limits: Often comes with a specific sub-limit or cap on how much can be claimed under OPD.
Premiums: Policies with OPD cover tend to have higher premiums due to the broader coverage.
Cashless and Reimbursement: Some policies offer cashless services, while others require expenses to be claimed through reimbursement.
Waiting Periods: There might be waiting periods for specific OPD benefits.
Exclusions: Certain exclusions or non-covered items may apply, such as cosmetic treatments or alternative therapies.
OPD cover provides flexibility and helps manage routine healthcare expenses, making it beneficial for individuals who requir5e frequent outpatient consultations.
