Health Insurance With OPD Cover

An adequate health insurance with OPD cover can help you with outpatient treatments and assistance

What is OPD in Health Insurance?

Health insurance protects you and your family from the financial consequences of illness or injury. The OPD full form in insurance is Outpatient Department. You can use the OPD cover in a health insurance plan for minor medical treatments that do not require prolonged hospitalisation. Protect your family with the best OPD health insurance plan in India by opting for Navi Health Insurance. With Navi’s comprehensive health insurance plan, you can avail of cashless medical care and 100% hospital bill coverage for yourself, your legal spouse, dependent children, parents and/or parents-in-law.

Features and Benefits of Health Insurance with OPD

Features and Benefits of Health Insurance with OPD

When it comes to healthcare, financial burdens tend to grow. Take a look at these features of Navi Health Insurance with OPD cover:
Navi boasts a network of 10,000+ hospitals for cashless claim settlements. You need not make additional financial contributions for your hospitalisation and OPD expenses.
Everything is done online, and there is no paperwork involved. You only need to download the Navi app and register.
Earn a cumulative or no-claim bonus for every year you do not make a claim. A portion of the insured amount is carried over to the following insurance year.
Get additional funds for your medical care if you sustain any injuries due to a road accident.
Receive a 100% automatic restoration of the base amount insured as per the policy document.
Get OPD benefits with premium EMIs starting at ₹235 per month and coverage between ₹2 lakh and ₹1 crore.
A unique benefit just for Navi Health Insurance policyholders! If you walk an average of 4000 steps per day for a minimum of 250 days, we provide an additional discount of 5% on your premium at the time of policy renewal.
*Terms and Conditions Apply

Health Insurance Policy Inclusions

100% Hospital Bill Covered

100% Hospital Bill Covered

We cover your entire hospitalisation bill along with other related medical expenses from 90 days before to 180 days after hospitalisation

Pre and Post Hospitalisation

Pre and Post Hospitalisation

With Navi Health Insurance Plan, you get comprehensive medical coverage 90 days before hospitalization and 180 days after

Hospitalisation at Home

Hospitalisation at Home

Get medical treatment at home for 3 or more days due to patient’s adverse health condition or unavailability of hospital bed

Unlimited Online Consultations

Unlimited Online Consultations

You can get unlimited online doctor consultations with the top doctors of the country at to additional cost

Additional 100% Sum Insured for Accidental Injury

Additional 100% Sum Insured for Accidental Injury

For road accident injuries, we provide additional 100% sum insured once existing sum insured amount is exhausted

Organ Donor Expenses

Organ Donor Expenses

We cover organ donor’s hospitalisation cost

Air Ambulance

Air Ambulance

Get up to ₹5 Lakh for emergency transfer via air ambulance

Complimentary Health Checkups

Complimentary Health Checkups

A complimentary health checkup once in every policy year for members older than 17 years

Maternity Benefits

Maternity Benefits

Additional coverage up to ₹30,000 for up to 2 deliveries/lawful termination of pregnancy after a 3-years waiting period

Complimentary Health Checkups

Complimentary Health Checkups

A complimentary health checkup once in every policy year for members older than 17 years

Maternity Benefits

Maternity Benefits

Additional coverage up to ₹30,000 for up to 2 deliveries/lawful termination of pregnancy after a 3-years waiting period

New Born Baby Benefits

New Born Baby Benefits

Hospitalisation expenses of up to ₹10,000 for newborn baby within 90 days of birth

Health Insurance Policy Exclusions

Dental Treatment

Any planned dental treatment is not covered under the health insurance plan

Eye Treatment

Any planned eye-treatment is not covered under the health insurance plan

Alcoholism/Drug

Any health complications caused by alcoholism or drug abuse aren't covered under the health insurance policy.

Alcoholism/Drug

Why Do You Need Health Insurance with OPD Cover?

Health insurance with OPD cover is beneficial for covering all expenses incurred due to outpatient treatments, which goes a long way in safeguarding you and your family.
Here are the reasons you require health insurance with OPD cover:

Financial Security

OPD insurance can help you safeguard your savings from the expenses incurred due to minor medical treatments and procedures.

Affordable Premiums

The cost-effectiveness of family health insurance with OPD cover comes from the fact that you just need to pay one premium rather than premiums for every family member.

Tax Relief

Claim tax deductions on your insurance premiums under Section 80D of the Income Tax Act.

How to Buy an OPD Insurance Plan for Family

Are you preparing to buy family health insurance with OPD cover? Give Navi Health Insurance a shot. There are options for paperless work at fairly affordable rates. Download the app to register.

Follow these steps to purchase Navi Health Insurance:

Download the Navi app from Play Store or App Store
Navi’s insurance advisor will ask a few questions
Get a quote right away that is based on your health and personal information
Pay insurance premiums via EMIs at ₹235 per month
Get instant access to your policy-related documents

How to Buy an OPD Insurance Plan for Family

Network Hospitals

Manipal Hospital

Aster Hospital

Manipal Hospital

Aster Hospital

How to File Claim for Health Insurance with OPD

How to File Claim for Health Insurance with OPD

With Navi filing a claim has never been easier. You can file for both cashless claims and reimbursement. Here’s how you can file claims:
  1. Select your admittance date
  2. Visit your nearest Navi network hospital
  3. Go to the insurance help desk and provide the following details
    • Insurer – Navi General Insurance
    • TPA – Medi Assist
  4. Keep your policy document and ID proof ready for reference
  1. Select your admittance date and hospital
  2. Upload all the medical documents on the Navi App
  3. Track the claim status through the claims tracker
  4. You will be notified once your claim is approved

How to Choose the Right Insurance for Yourself?

Sum Insured

Considering the rising medical costs, try to buy a policy that provides adequate cover. A policy with a low coverage amount may not be sufficient for you and your family. Navi Health Insurance offers health cover up to Rs.1 crore*

Cashless Settlement

Insurance companies have tie-ups with hospitals, commonly known as network hospitals. Check if your insurer provider has a long list of network hospitals. You can get cashless claims in 10,000+ network hospitals with Navi Health Insurance

Claim Settlement Process

Every insurer looks forward to a hassle-free claim settlement process and every quality insurance company strives to maintain an excellent claim settlement ratio. With Navi Health Insurance, claim settlement is a breeze

Affordable Premium

There should be a balance between insurance cover and premium. Considering affordability as a major factor, we have introduced insurance premium payments in EMIs. Our insurance premium EMIs start at just Rs.235/month*

Know Your Requirement

Your requirements can include the sum insured, how many members you are planning to add, the ailments you want to be covered, etc. Understand your requirements and purchase a policy to maximise on policy benefits

Waiting Period

Waiting period is the time span during which you cannot claim some or all of the benefits of your policy. It is crucial to know the waiting period for various ailments mentioned in your policy to make an informed decision.

Top Hospitals In Cities

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Manipal Hospital

Apollo.62f06b3b

Apollo Hospital

Fortis.2673ea86

Fortis Hospital

Max.8013c6e1

Max Healthcare

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What our customers say about us

My whole claim experience was hassle free & very good, both during admission and discharge time. I have already recommended Navi Health Insurance to many friends & will continue doing so.
The best thing about Navi Health insurance was completely paperless buying experience and great customer support. I found Navi health insurance to be most affordable policy with amazing benefits
I was happy with the overall claim experience. Most important part was it was cashless and I got quick response by Navi team. Will definitely recommend Navi Health Insurance to family and friends!

Frequently asked questions

If you purchase OPD insurance coverage, you won’t have to pay for the regular medical care of any elderly or physically challenged family members. They will be financially secure if they have a strategy in place in the event that they require an expensive procedure or diagnosis but do not have any funds set away.
You can purchase health insurance with OPD coverage at any age. It will help cover the outpatient expenses including consultation fees and diagnostic tests that are prescribed by a Medical practitioner. However, purchasing health insurance with OPD coverage at an early age could be significantly less expensive than for those over 60.

There are a few things you can do or keep in mind to increase the OPD insurance coverage, including:

  • Decide on an appropriate insurance coverage quantity.
  • Select the appropriate coverage tier.
  • Offer comprehensive health insurance with enough riders.
  • Verify the waiting period and the age requirement for renewal.
A co-pay means the policyholder has to pay a certain percentage of the claim amount from their end. The concerned health insurance company bears the rest of the claim amount. Navi Health Insurance plans do not have any co-pay clause. In other words, we will pay the full cost of your hospitalisation up to the amount insured.
OPD coverage is a supplemental benefit available with health insurance at an additional cost. A regular health insurance plan typically does not cover OPD expenses. Several insurance companies often pay the OPD premium in health insurance. Policyholders can submit claims for medical expenses incurred without being hospitalised as part of the OPD coverage.
When you check your medical facility or treatment program and submit the bill for payment to your insurer, the process is known as reimbursement. According to the policy document, the insurer’s office must reimburse you for all expenses. On the other hand, cashless treatment is the procedure of arranging for you to receive free medical care. Your insurer will cover all hospitalisation expenses.

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