Care Health
Care Plus
₹12,748/yr · ₹10 L
- Claim ratio
- 95.2%
- Room rent
- No cap
- Co-pay
- 0%
- Unlimited restore
- No room-rent cap
- Day 1 cover for 30+ diseases
OPD + wellness
Everyday care that doesn’t need a hospital stay.
OPD cover reimburses consultations, labs, pharmacy, dentistry and teleconsults. Perfect as an add-on to your main health plan for frequent out-patient spending.
₹10K–₹50K
OPD sum insured
Cashless
At listed clinics
24×7
Teleconsult network
Top picks
Top OPD + wellness plans.
Three standouts for a 32 year-old · ₹15,000 OPD + ₹10 L hospitalisation.
Best value
Star Health
Family Health Optima
₹14,840/yr · ₹10 L
- Claim ratio
- 92.5%
- Room rent
- Single pvt
- Co-pay
- 0%
- Automatic 3× recharge
- Newborn covered day 1
- 30-day free look
Niva Bupa
ReAssure 2.0
₹16,200/yr · ₹15 L
- Claim ratio
- 96.1%
- Room rent
- No cap
- Co-pay
- 0%
- Lock-in of age & premium
- Unlimited restore
- International cover
Common questions.
Does OPD cover regular doctor visits?
Yes — that's the point. Most regular health plans only pay for hospitalisation. OPD covers consultations, diagnostics, prescription medicines, dental + vision (varies).
Is OPD always cashless?
No — most insurers run OPD as reimbursement against bills. Cashless at network clinics is rolling out; we tag insurers that already support it.
What is a family floater?
A single policy with one sum insured that every listed family member can draw from. Cheaper per head than individual plans.
How does the room-rent cap affect my claim?
If you pick a room more expensive than the cap, every other charge (tests, consultations, procedures) gets proportionally reduced. We compare this at quote time.
When does pre-existing cover kick in?
Typically 24 to 48 months after purchase. A few plans offer day-1 cover for an extra premium — we flag those.
Can I claim cashless at any hospital?
Only at network hospitals. Outside the network it's reimbursement — pay first, claim later.
Sub-products
Other shapes of health cover.
OPD is a top-up; you still want an in-patient base plan underneath. Here’s how the shapes fit together.
Individual
Dedicated cover for one person.
Best for singles under 35
from ₹623/mo
Most boughtFamily floater
One plan shared across the whole family.
Most popular for couples + kids
from ₹493/mo
Senior citizen
Tailored for parents over 60.
Pre-existing covered from day 31
from ₹1,847/mo
You’re here
OPD + wellness
Dentist, labs, pharmacy, teleconsults.
For everyday out-patient spending
from ₹218/mo
Critical illness
Lumpsum on diagnosis — cancer, heart, stroke.
Top-up for your existing cover
from ₹147/mo
Stop paying OPD bills out of pocket.
Add OPD to your existing cover in under 2 minutes. Cashless at 2,500+ listed clinics.
Start my quote