ओपीडी (OPD) कव्हरसहित हेल्थ इन्श्युरन्स
No Capping
on Room Rent
24/7
Customer Support
Zero
Co-payment
No Capping
on Room Rent
24/7
Customer Support
Zero
Co-payment
ओपीडी लाभ म्हणजे काय?
माझ्यासाठी ओपीडी (OPD) कव्हर असलेला हेल्थ इन्श्युरन्स घेणे का आवश्यक आहे?
जर का त्याबद्दल अजूनही मनात शंका असेल तर पुढे वाचा..
डिजिट हेल्थ इन्श्युरन्सच्या ओपीडी (OPD) कव्हरसहित हेल्थ इन्श्युरन्समध्ये एवढे खास काय आहे?
डिजिट हेल्थच्या ओपीडी (OPD) कव्हरसह इन्श्युरन्समध्ये कशा-कशाचा समावेश आहे?
स्मार्ट + ओपीडी (OPD)
ओपीडी(OPD) लाभ |
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प्रोफेशनल फी Fees for medically necessary consultations and examinations by medical practitioners to assess your health for any illness. |
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डायग्नॉस्टिक फी Medically necessary out-patient diagnostic procedures such as x-rays, pathology, brain and body scans (MRI, CT scans) etc... used to make a diagnosis for treatment from a diagnostic center. |
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सर्जिकल उपचार Minor Surgical procedure such as POP, suturing, dressings for accidents and animal bite related outpatient procedures etc. carried out by a Medical Practitioner. |
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औषधांची बिले Medication drugs and medicines as prescribed by your medical practitioner. |
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दातांचे उपचार If your doctor recommends that you really need to get a specific dental treatment done, it will be covered under OPD. |
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दातांचे उपचार Hearing aids required for serious hearing conditions are covered. |
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इतर लाभ |
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कोरोना व्हायरससहित सर्व हॉस्पिटलायझेशन This covers for hospitalization expenses due to an Illness, Accident or even a Critical Illness. It can be used to cover for multiple hospitalizations, as long as the total expenses are up to your sum insured. |
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डेकेयर प्रोसीजर्स Health insurances generally cover medical expenses only for hospitalizations exceeding 24 hours. This covers for medical treatments undertaken in a hospital, requiring less than 24 hours due to technological advancement. |
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वयाशी संबंधित कोणतेही कोपेमेंट नाही A Copayment refers to the amount of money you need to pay from your pocket, during a health insurance claim. In our plans, there is no age based copayment involved! |
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रूमच्या भाड्यावर कोणतीही कमाल मर्यादा नाही Different categories of rooms have different rents. Just like how hotel rooms have tarrifs. With Digit, some plans give you the benefit of having no room rent cap, as long as it is below your Sum Insured. |
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आयसीयू (ICU) रूमच्या भाड्यावर कोणतीही कमाल मर्यादा नाही ICU (Intensive Care Units) are meant for serious patients. The level of care is higher in ICUs, which is why the rent is higher too. Digit does not put any limit to the rent as long as it is below the your Sum Insured. |
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क्युम्युलेटिव्ह बोनस Get rewarded for every claim free year. If you do not make any claim in a year, some plans reward you with a discount in the next year. This extra discount is called Cumulative Bonus |
10% CB for each claim free year (Up to 50%)
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रोड अॅंब्युलन्स चार्जेस रोड अॅंब्युलन्स चार्जेस |
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कॉम्पलिमेंटरी हेल्थ चेक अप्स Annual health checkups are important to ensure you are aware of your overall health and well-being. This is a renewal benefit that allows you to reimburse your expenses towards any annual medical tests and checkups, at any hospital of your choice. |
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पोस्ट हॉस्पिटलायझेशन लंपसम This is a benefit you can use to cover all your medical expenses post hospitalization, at the time of discharge. No bills required. You can choose to either use this benefit or use the standard post-hospitalization benefit, through the process of reimbursement. |
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मानसिक आजारांसाठी कव्हर If due to a trauma, one has to be hospitalized for a psychiatric treatment, it will be covered under this benefit. However, OPD consultations are not covered under this. |
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बॅरीयॅट्रिक सर्जरी This coverage is for those facing organ issues due to their obesity (BMI > 35). However, in case the obesity is due to eating disorders, hormones or any other treatable conditions, this surgery cost will not be covered. |
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इतर कव्हर्स |
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मातृत्व लाभ आणि नवजात बाळासाठी कव्हर If you plan on having a baby in the next two years or so, you can opt for this. It covers for child-delivery (including medically necessary terminations), infertility expenses and coverage for the newborn baby up to its first 90 days. |
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झोन अपग्रेड Every city falls either in Zone A, B or C. Zone A has Delhi and Mumbai. Zone B has cities like Bangalore, Hyderabad, Kolkatta. The zones are divided as per medical costs. Zone A cities have highest medical costs therefore the premium to get a treatment under health insurance in these cities is a bit higher. If you wish to get treated in a bigger city than where you live, you can upgrade your plan for the same. |
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यात कशाचा समावेश नाही?
ओपीडी कव्हरमध्ये चष्मा, कॉंटॅक्ट लेन्सेस आणि फिजिओथेरपी, कॉस्मेटिक प्रोसीजर्स आणि वॉकर्स, बीपी मॉनिटर्स, ग्लुकोमीटर्स, आहारतज्ञांची फी, व्हिटॅमिन्स आणि इतर सप्लिमेंट्स वगैरे अॅंब्यूलेटरी सेवा अंतर्भूत नसतात.