Insurers offering cashless benefits for OPD, diagnostics at lower premiums

Before you buy a plan, check if you can make full use of it. Most don't even exhaust the entire benefit, says expert

Till recently, health insurance plans that offered reimbursements for a doctor’s visit had much higher premiums compared to policies that don’t. But things have started changing. Recently, some insurers have launched plans that offer outpatient department (OPD) benefits at a lower cost. Some even made the reimbursement cashless.

“Insurers have been able to bring down the cost of OPD and diagnostics as they now have an established network of doctors and diagnostics chains. Earlier, they depended on customers to submit bills and there was no way to know if those were genuine,” says Mahavir Chopra, director–health, life and strategic initiatives, Coverfox.com.

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