Out-Patient or OPD cover allows reimbursement of expenses related to out-patient consultations up to a specified sub-limit of Rs. 10,000 or 15,000 during one policy year. You can claim expenses related to consultation fees, diagnostic tests, medicines, etc., under out-patient consultation.
Normally, Health Insurance covers only hospitalisation expenses, where you are treated as an ‘in-patient’ for a period of more than 24 hours. Out-patient or OPD benefit can be availed with few insurers as ‘additional cover’.