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/OPD Treatment
Find what matters most to you.
Pick a coverage concern and see its exact policy terms, compared side-by-side across top Indian health insurance plans.
41 features mapped
6 coverage topics
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The concerns that cost the most when a plan gets them wrong
Step 1Coverage Directory
Every category, decoded
All 6 coverage topics in one place - start with the worry on your mind, and open the features that decide it.
Step 2Feature Library
Priority features
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Step 3Plan Comparison
What is OPD Treatment in health insurance?
Covers everyday healthcare costs that do not require a hospital stay - like visiting a specialist, getting a blood test, or buying prescription medicines. Most health plans only cover you when you are admitted to hospital. OPD cover means your insurance is useful throughout the year, not just in emergencies.
Also called: Out-Patient Department (OPD) cover · outpatient treatment · doctor consultation cover
Niva Bupa
ReAssure 3.0 – Elite
StandardMatters to Everyone
Out-patient cover comes only from the optional WellConsult+ benefit. You choose a WellConsult+ Sum Insured of 1x to 5x your base premium, and that pool pays for consultations, prescribed diagnostics, pharmacy, dental, eye and physiotherapy visits. Each head has its own share of the pool - in-clinic consultations 37.5%, diagnostics 20%, medicines 5%. Tele-consultations are unlimited.
Coverage detailstap any row to understand it
Watch out
WellConsult+ works in India only. If you pay the clinic yourself and claim the money back, a flat 20% co-payment applies - on a ₹10,000 OPD bill you pay ₹2,000 from your own pocket. Cashless within the partner network avoids this.
Aditya Birla
Activ One – VYTL
LimitedMatters to Everyone
There is no general OPD cover here - an ordinary doctor visit, test or medicine bill outside hospital is not paid. The only OPD benefit is the Chronic Management Program: a fixed number of teleconsultations and diagnostic tests for chronic conditions you have declared, such as diabetes or asthma, cashless at network providers. Most plans sell it as a paid option, VYTL includes it, and VIP and VIP+ do not offer it at all.
Coverage detailstap any row to understand it
ICICI Lombard
Elevate
LimitedMatters to Everyone
Out-patient care is excluded from Elevate unless you buy the BeFit Optional Cover. BeFit pays doctor consultations, prescribed tests and prescribed medicines, but only cashless through the insurer's app and network. What you get depends on the BeFit plan: the largest gives 12 consultations plus ₹7,500 for tests and ₹7,500 for medicines a year, the smallest one consultation and ₹500 each.
Coverage detailstap any row to understand it
Watch out
BeFit starts 30 days after you buy it, and nothing unused carries to the next year. Dental treatment, genetic studies, supplements, vitamins and vaccinations stay outside it. You can only add BeFit up to age 65, at first purchase.
Step 4Shortlist & Decision Tray
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Or read a full head-to-headSuper Star vs Optima RestoreSuper Star vs Star ComprehensiveOptima Restore vs Star Comprehensive
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