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OPD Cover in Health Insurance

From the monthly doctor’s visit for your child’s seasonal cough, to the eye check-up you’ve been putting off, everyday health expenses like these are often not covered by a basic health insurance plan. These may look small at first, but over time they can add up to a sizeable amount. That’s why adding an OPD Cover to your health insurance makes such a difference. It helps you manage routine healthcare costs without worrying about frequent out-of-pocket spending.

Unlike standard health insurance, which usually steps in only during hospitalisation, an OPD Cover supports you in the day-to-day care. Be it consultation fees, diagnostic tests or prescribed medicines, all of these expenses are covered, making it easier to stay on top of regular healthcare needs. For families balancing both pediatric and elderly care or individuals who require routine health checks, this add-on is a practical way to ease the burden of recurring medical costs.

With IndusInd Health Insurance, you also get the reassurance of a wide network of cashless hospitals and round-the-clock assistance whenever you need it. Our plans are designed to make everyday healthcare simpler and accessible, so you can focus more on your well-being and less on the medical bills.

Why Choose IndusInd Health Plans?

When it comes to healthcare, you deserve a plan that offers quick and reliable support. IndusInd Health Plans are designed to give you instant coverage and quick claim approvals, so you’re not left waiting during critical moments.

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Up to ₹5 Crores Cover*

With unlimited SI restoration*

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20+ Add-On Covers*

Cover all your medical needs!

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AYUSH & Modern Treatment*

Get 100% SI coverage for both*

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24x7 Customer Support*

Quick support via the IndusInd Insurance app

Why Buy OPD Health Cover?

All-Round Protection

Health insurance policies usually tend to focus on hospital stays and inpatient treatment coverage, but everyday care is just as important. OPD cover extends your protection to diagnostics, medicines and follow-ups, giving you a more all-rounded plan. With 20+ add-ons* from IndusInd Health Insurance, you can easily customise your coverage to suit your lifestyle and medical needs.

Covers Everyday Medical Bills

Frequent expenses like diagnostic tests, prescribed medicines or follow-up consultations can add up quickly. With an OPD cover, these routine costs are covered under your health insurance policy instead of being paid out-of-pocket. Plus, with IndusInd Health Insurance, you also get access to 10,000+ network hospitals*, ensuring that you receive quality care from trusted healthcare providers whenever you need it.

Supports Preventive Care

With doctor consultations, tests or prescribed treatments adding up to large medical bills, many people avoid regular check-ups just to save money. This often delays early detection or timely care for chronic conditions. OPD cover ensures these preventive visits and screenings are included in your health plan, making it easier to stay proactive about your health without financial barriers.

Offers Healthcare Flexibility

Hospitalisation isn’t always required for all treatments. OPD cover gives you the flexibility to consult doctors, get tests done and pick up medicines without worrying about whether your policy applies. This makes it easier to stay on top of your healthcare needs without constantly worrying about your base policy’s coverage limits.

Who Should Choose OPD Cover in Health Insurance?

Individuals and families with frequent medical visits

For people who have seasonal allergies, frequent headaches or just like keeping up with regular check-ups, expenses from small visits can add up quickly. OPD cover ensures you can see a doctor or get tests done without constantly worrying about the cost.

Senior citizens

With age, it becomes important to have regular health checks. Screenings, blood pressure monitoring and preventive tests often become part of daily life for older adults. OPD cover helps manage these recurring costs, allowing older adults to focus on maintaining their health without worrying about the costs related to every visit.

Parents with Young Children

Between vaccinations, growth check-ups and the occasional cold or scrape, kids often need medical attention unexpectedly. Having an OPD cover makes it easier to handle these visits, helping parents take care of their children without the added financial stress.

People Managing Chronic Conditions

Living with conditions like diabetes, hypertension, or thyroid disorders means frequent doctor visits and tests. An OPD cover keeps these routine consultations affordable, making it easier to maintain the consistent care required for these conditions and stay on track with the treatment.

Those Prone to Frequent Illnesses

People with a compromised immune system or generally low immunity often face repeated colds, infections or minor ailments. These frequent visits can quickly add up in medical expenses. OPD cover helps manage these recurring costs, ensuring timely treatment so conditions don’t worsen due to delayed care or financial strain.

Health-Conscious or Fitness-Focused Individuals

Health-conscious individuals or those with a family history of certain ailments often make preventive check-ups, early screenings and minor consultations part of their routine to catch issues early and maintain optimal health. OPD cover ensures that this proactive approach to healthcare remains accessible without adding extra financial burden.

OPD Cover: Inclusions and Exclusions

What is covered?

Doctor Consultations: Routine check-ups or specialist consultations are covered.

Diagnostic Tests: Tests like X-rays, blood tests and other investigations are included.

Prescriptions: Medicines prescribed during consultations are covered under the policy.

Minor Medical Procedures: Treatments like POP application, suturing and dressings for accidents are covered.

Dental Treatments: Basic dental procedures like extractions and root canal treatments are covered.

Specialist Consultations: Visits to super specialists such as Cardiologist or Oncologist are included.

What is not covered?

Routine Preventive Check-ups, Tests & Medicines Outside OPD: Regular health check-ups, and expenses for diagnostics and prescriptions outside outpatient care are excluded.

Cosmetic Procedures and Supplements: Medically unnecessary treatments like cosmetic surgery, supplements purchased without a prescription are excluded

Bone Grafts: Surgical bone graft procedures are not included.

Dental Restorations: Advanced dental restorations like CAD/CAM are excluded.

Disclaimer: The inclusions and exclusions are subject to policy terms and conditions. Please refer to the ​official policy document by clicking here.

Stay ahead of your healthcare needs.

Get OPD Cover today and make everyday care effortless.

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IndusInd General Insurance

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IndusInd General Insurance is one of the leading general insurance companies in India. The Company offers a well-rounded and comprehensive bouquet of products including Motor Insurance, Health Insurance, and Travel Insurance, and offers customised solutions to meet the protection needs of each customer.

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Effortlessly support your everyday healthcare needs

Don’t let routine medical visits drain your finances. Get OPD Cover and keep your health in check easily.
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Ritik

Ritik

Noida

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5

Value for money

Buying a Health policy through the platform ofReliance General Insurance (now IndusInd General Insurance) was straightforward and quick.
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Srivathsav Parthasarathi

West Midnapore

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West Godavari

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5

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The journey of purchasing Health insurance from Reliance General Insurance (now IndusInd General Insurance) felt effortless and user-friendly. It aligns well with what I needed from an insurance policy. I am satisfied with the main policy and don't see a need for extras. The process felt reliable and I would recommend it to others.
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5

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New Delhi

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Wayanad

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4

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I recently purchased my health insurance and found the experience to be smooth. I will provide dertailed feedback post my claim settlement process has been completed.
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I recently purchased my Health insurance from Reliance Insurance (now IndusInd Insurance) and found the experience very smooth. I felt that my protection needs were well addressed with this policy. Currently, I don't think I require any additional plans or add-ons.
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Villupuram

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5

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Vaishali

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4

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5

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N Amitha Ramesh

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Health Insurance - Disclaimer

Disclaimer: Health insurance coverage is subject to policy terms, conditions, exclusions, waiting periods, sub-limits, co-payments, deductibles and underwriting guidelines. Benefits, add-ons, discounts and eligibility criteria vary by product, plan, sum insured, age and family composition. Certain products provide fixed benefit payouts and are not indemnity-based reimbursement policies.

Applicable UINs:
Health Infinity – RELHLIP23120V042223 | Health Gain UIN: INIHLIP26040V042526 | Health Super Top-Up – RELHLIP21617V012021 | Health Global – IRDAN103RP0001V01202324 | Personal Accident 360Shield – RELPAIP25035V022425 | Hospi Care – RELHLIP20027V012021

For detailed disclosures, premium illustrations and coverage limitations, please refer to the Health Insurance Disclaimer page.

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Frequently Asked Questions (FAQs)

What expenses are covered under OPD in health insurance?

OPD coverage usually takes care of: Visits to doctors, including general physicians and specialists. Diagnostic tests like blood tests, x-rays, scans and other routine investigations. Prescribed medicines and drugs. Minor medical procedures that don’t require hospital admission. Follow-up visits after major treatments.

Can I buy a health insurance plan with only OPD coverage?

OPD coverage is available as an add-on to comprehensive health insurance plans and cannot be purchased on its own. By adding it to plans like IndusInd Health Infinity Insurance, you can ensure your everyday healthcare needs are well covered up to ₹50,000*. It’s always a good idea to choose a plan that balances OPD and hospitalisation coverage so you’re prepared for both routine and unexpected medical needs.

What is the difference between OPD coverage and regular hospitalisation insurance?

OPD coverage helps with medical expenses for treatments that don’t require a hospital stay, such as routine doctor visits, tests and minor procedures. On the other hand, regular hospitalisation is meant for care that involves a hospital stay of at least 24 hours, such as surgeries or treatments needing close medical supervision. Both together give you a well-rounded approach to healthcare.

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