Google Search
Healthinsuranceindia Web
Health Insurance Home Insurance Author Author Insurance Hospitals Hospitals India Insurance FAQ FAQs Disclaimer Insurance Disclaimer Acknowlegde Insurance Acknowledgement Insurance Quote Get Quote Insurance Query Query Insurance Feedback Feedback Contact Insurance Contact Us Insurance Blog Blog Health Insurance
Various health insurance companies who provide insurance in India. Get free health insurance quote today from best health insurance companies in India for your entire family insurance plans Get Cashless medical insurance hospitalizaton form most of insurance companies plan Free medical treatment during hospitalization Peace of mind with health insurance policy
For Comparative Insurance Quote: Sai Sadan, 252-K, 2nd Floor, Raja Dhirsain Marg, Sant Nagar, East of Kailash, New Delhi-65
Phone: 011-41324957, 41623784, Mob:+91-8447757651 & 53 Email: ria1@surekhae.com
OPD Coverage Health Insurance Plans
 
Last Updated On- 05, April 2012
(1) Who offers OPD Coverage as a part of Health Insurance Plan   (2) Policy Wording/ Proposal Form/ Brochure
(3) Product details of Various Companies for OPD Coverage Insurance Policy
 
General/Health Insurance Companies Products
 
 
 
 
1- Who offers OPD Coverage as a part of Health Insurance in India
The maximum benefit allowable for 1 adult is Rs. 8,500 [350*3 + 500*1 + 1,000 + 2,000 + 1,000 + 1,000 + 2,000(estimated)]
In addition, both the policies do not allow, an insured person to claim OPD cost within 90 days of commencement of the policy.
If we go for a normal health insurance policy, the premium paid is much less compared to these policies, as a result we end up paying more than the benefits we may receive.
Let us see the choice with examples:
Example 1:
Mr. X aged 30 years buys individual Health Advantage Plus plan from ICICI
Sum Insured Rs. 3,00,000
Premium paid Rs. 16,545
Less: Tax saved Rs. 4,964 (30%)
Net premium Rs. 11,581
Now if he takes normal healthcare policy from New India
Sum Insured Rs. 3,00,000
Premium paid Rs. 3,871
Less: Tax saved Rs. 1,161(30%)
Net premium Rs. 2,710
So, to avail OPD coverage of Rs. 8,800(which he will not be able to claim without unnecessary visits etc.) he pays a premium of Rs. 8,871extra.
Example 2:
Mr. X aged 30 years buys individual Maxima plan from Apollo:
Sum Insured Rs. 3,00,000
Premium paid Rs. 15,216
Less: Tax saved Rs. 4,565 (30%)
Net premium Rs. 10,651
Now if he takes normal healthcare policy from New India:
Sum Insured Rs. 3,00,000
Premium paid Rs. 3,871
Less: Tax saved Rs. 1,161 (30%)
Net premium Rs. 2,710
So, to avail OPD coverage of Rs. 8,500 (which he will not be able to claim without unnecessary visits etc.) he pays a premium of Rs. 7,941 extra.
The conclusion drawn is by having these policies you are getting the benefit in the ratio of 1:1 only.
  << 1 - 2 >>  
 
Get Best Health Insurance Quotes
*
*
*
*
*
To eliminate spam, please add these numbers together before you submit:
9 + 8 = *
  
* required
Health Isurance
Health Insurance Family Floater Insurance Senior Citizen Insurance Senior Citizen Mediclaim RIA Insurance Website Sitemap Health Insurance RSS
Best View at 1024x768 Resolution
© 2013 Ria Insurance Brokers Pvt. Ltd. (An IRDA approved Insurance Broker in India)