Big support for your minor diseases:

When we hear the name of ‘Health Insurance’, what does it come to our mind? Not only that, when there will be a major disease and we have to be hospitalized, then the insurance company will pay a bill of millions.

This is right, but half is correct! We forget that more than major diseases, our money is spent on small diseases, such as viral fever, abdominal pain, or tooth problem. For these minor diseases, we do not need to be hospitalized, but repeated doctors’ fees, medicines bill and test expenses fall on our pockets.

For these small, but necessary expenses, health insurance has a special facility, about which very few people know. This is called – Opd cover (outpatient department coverage),

After all, is this OPD cover?
In very straight and simple language, OPD cover means that the insurance company will also cover all your medical expenses, for which you There is no need to be admitted to the hospital for 24 hours.

What is involved in this?

• Doctor’s consultation fee: You went to show a doctor and took ₹ 1000 fee, you will get this money back.
• Bill of medicines: The cost of medicines purchased on the prescription of the doctor is also included in it.
• Small Tests: The cost of small diagnostic tests like blood test, urine test or X-ray is also covered.
• Treatment of tooth: Some policies also cover small tooth problems.
• Glasses expenses: Some premium policies also cover glasses number or contact lens expenses.

Should you take this cover or not?
If you or someone in your family often have small health problems and you have to go to the doctor again and again, then this OPD cover is no less than a ‘boon’ for you. This can reduce your year -long medical expenses to a great extent.

Yes, it is true that after taking OPD cover, the premium of your health insurance policy increases slightly. But if you calculate, it will probably be less than your annual medical expenses.

So next time you renew your health insurance policy or buy a new policy, do not forget to ask your insurance company about OPD cover. This can give great comfort to your pocket, a small step!