In order to avoid having to pay the high cost of treatment in the midst of rising inflation, many of us take the help of health insurance. But despite taking health insurance, we still may have to spend a lot on OPD (Outpatient Department). This is because OPD is usually not covered under health insurance policies. OPD is for minor medical treatments that do not require admission to the hospital. In India, 62% of the total healthcare cost is spent in the OPD and given the rising inflation, even OPD expenses can be unaffordable for some people. If someone has to spend at the OPD even 2-3 times in a month, then their budgeting for the whole month could get spoiled. This is the reason that people are shying away from going to the doctor or hospital for minor ailments nowadays. As a result, it is becoming difficult to catch diseases in the early stages. Perhaps this is the reason so many health insurance companies are introducing policies with OPD cover. If you take myUpchar Bima Plus Health Insurance, then under this you do not even need to worry about doctor consultation, because it comes with a 24x7 free tele-OPD facility.
(Read more: Daycare treatment in health insurance)