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Get answers to specific queries on health insurance
In health insurance terminology, OPD charges refer to Out-Patient Department expenses. It’s the cost incurred by patients for treatments and other minor surgeries that don’t require hospital stay overnight. It’s a day procedure.
According to recent market reports, spending money from your pocket to cover medical expenses accounts for 62% of all healthcare costs in India.
What is OPD Treatment?
Medical treatment does not only cover hospitalisation, but also diagnostics, check-ups, post-surgery consultations, etc. and so on. OPD treatment is the one in which you visit a hospital/clinic/healthcare center or any other recognized consultation room for the diagnosis and treatment advised by your medical practitioner or doctor. The treatment does not require admission/hospitalisation.
Health Plans have now broadened their Coverage Scope to include OPD Treatments as Well
Just a few years ago, health insurance companies in India mostly covered in-hospital charges. Out-patient charges had to be borne by the patient from his/her savings. However, many insurance providers have broadened the scope of their plans. They now cover OPD expenses, including:
OPD Cover in Health Insurance
Health insurance with OPD expense coverage, provides coverage for several daycare procedure expenses, like medical bills, health checkups, diagnostic tests, ambulance charges, dental treatments, etc. no matter whether the patient is admitted or not.
Popular Health Insurance Policies with OPD Coverage
Health Insurance Policy Name | Health Insurance Company |
Heartbeat | Max Bupa |
Tax Gain | Bajaj Allianz |
Health Wallet | HDFC Ergo (formerly Apollo Munich) |
GoActive | Max Bupa |
A CIBIL™ score is a three digit number between 300 and 900 that gives potential lenders a quick idea of your loan
Credit repair involves rebuilding your credit health to a level where you become eligible for loans.
A credit report is a history of your credit behaviour and contains detailed information on all your loan and credit
A credit rating - also known as a credit score - is a 3 digit number between 300-900 that gives potential lenders
A bad credit score is generally one that is less than 650. A credit score is a three digit number in the range of 300-900
Yes. In fact, a credit score of 850 is very good! Most lenders look for a minimum credit score of 750 to approve loans
There are several ways in which you can improve your credit score. Depending on how good or bad your score is,
Is 800 a good credit score? Yes. In fact, a credit score of 800 is very good! Only a small percentage of people reach,
Is it possible to obtain a free credit check or credit report? The answer is yes and no!
Your CIBIL™ Score plays an important role in getting loans and credit cards sanctioned, because it gives lenders
It is not possible for anyone, either lenders or borrowers, to get a CIBIL™ score or credit report for free.
It is important to know that there is no such thing as a CIBIL™ defaulter list. There used to be a defaulter list earlier,
There is really no number that can be established as the average credit score in India. Many people see regular
You can repair your credit absolutely free if you do it yourself! However, many people choose to get professional help
First, it is important to note that there is no ‘Defaulters List’ that is maintained or circulated by CIBIL™ or any of the other
Sourav and Ankit are watching the New York Marathon on TV and decide that they want to run a marathon.
In India, the best credit score to have is one that is 750 or above. The three credit rating agencies that operate in India
Is a credit score of 700 good? While it is not a very bad score, it is not good enough to automatically qualify
It is difficult to get a loan with a credit score of 650. Most banks look for a minimum score of 750 when deciding
It is not likely that you will get a loan with a credit score of 600. Most banks look for a minimum score of 750
It is difficult to get a loan with a credit score of 550. Most banks look for a minimum score of 750 when deciding
A poor CIBIL™ score can increase your financial problems and make it difficult to access credit, whether as a loan or credit.
One common worry that runs through your mind after you have made a credit card settlement is,
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