Health insurance coverage for outpatient department (OPD) treatments typically includes medical costs for patients who do not require hospitalisation, such as expenses on consultations, diagnostic tests, and **** drugs.

Health insurance in India has typically been synonymous with In-patient plans which cover hospitalisation and associated expenses; however, OPD coverage has now emerged as a significant part of health insurance programs.

In the last three years, the percentage of customers opting for OPD covers has quadrupled from 5% to 20%. The importance of OPD coverage became particularly evident during the pandemic and remains a key factor driving the demand for comprehensive insurance.

OPD coverage is a valuable addition to health insurance, especially for individuals requiring regular medical care. It also promotes preventive health by covering consultations and health check-ups allowing early detection and treatment, thus preventing more serious complications that could lead to hospitalisation. Many employers are now including programs to encourage overall employee wellness through out-patient coverage

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