OPD rider enhances your annual health cover

Premium starts from as low as ₹700 per year

- SAIKAT NEOGI

OPTING FOR AN outpatient department (OPD) rider can help reduce out-of-pocket expenses such as doctor's fees, diagnostic costs and pharmacy. While a standard health insurance covers inpatient expenses, adding a rider is a flexible and cost-effective way to enhance the coverage for individuals with chronic conditions who require frequent medical attention.

In metros, the average cost of OPD services can range anywhere between ₹1,500 to ₹2,000 per doctor consultation and diagnostic tests may cost ₹8,000-10,000. An OPD coverage will offer financial protection for medical expenses that do not necessitate hospitalisation.

An OPD rider is a cost-effective option as the premium starts from as low as ₹700 per year. Siddharth Singhal, business head, Health Insurance, Policybazaar.com, says on an average, adding OPD coverage would increase the total health insurance premium by just 8-10%. "These plans offer OPD coverage ranging from ₹5,000 to ₹30,000. With their easy availability, countless benefits and affordability, their demand is steadily increasing," he says.