While health insurance is a neccessity, not every insurance company provides for Out Patient Expenses.
And for most of us most of the time it is out patient medical expenses.
Having kids and the rate at which the premium hospitals like Cloud Nine & Rainbow are increasing their consultation fees year on year or sometimes in 6 months, it is becoming a financial burden.
Are there any good insurance plans that cover OPD expenses?
Does anyone have experience with new age insurance fintechs like Even, Acko?
There was a recent article on the same…
I do understand that OPD being a frequent occurrence for any household, it is not a profitable business for the insurance companies. But are there any companies using it to their advantage?
Any suggestions/information on this would help a lot.
I recently tried Even. Their rejection rate is pretty high. I was trying to move my wife’s personal mediclaim and we declared that she was recently diagnosed with high BP and she has an hairline fracture 10 years back. We thought there would be a waiting period. But we were rejected
I was following this thread because I had the same OPD confusion a while back. On paper, OPD riders sound useful, but once you read the fine print, limits are usually tight and reimbursement rules can be messy. In my case, regular doctor visits and diagnostics added up, but not in a way that made OPD covers feel truly “worth it”.
What helped me was stepping back and looking at my overall health cover strength, not just OPD in isolation. I used BimaScore and Bima Analyze out of curiosity. It didn’t ask for document uploads—just basics like city, insurer, sum insured—and it gave me a clarity score (out of 1000) based on real-world factors. That’s when I realized my main risk wasn’t OPD, but hospitalization gaps if something serious happened.
OPD expenses hurt, but big bills hurt more. If you’re unsure where you stand, checking your policy strength once might hel