Should you buy OPD insurance cover?

Out-of-pocket medical expenses account for 62% of all healthcare costs in India. So there is a need for plans that take care of outpatient department (OPD) expenses. However, OPD products have so far failed to become popular due to various reasons. They are seen as tax-maximising tools, where the additional bills served to exhaust the Section 80D limit on health premiums paid. Moreover, determining the authenticity of bills was a concern, making the claim settlement process tedious