An Out-Patient Department cover, commonly known as OPD cover, is one of the categories of health insurance that opens up an entirely new and unexplored section of the customers for insurance companies. Insurers have recently started experimenting with OPD insurance by adding it as a feature in their health insurance indemnity plans as lifestyle-related health issues is increasingly driving people to doctors for even smaller medical interventions.
Also, there are no preconditions to get an OPD cover with the health insurance policy. If the insurance company agrees to underwrite a profile, the person will automatically get an OPD cover with the policy. The terms and conditions related to pre-existing diseases remain same, whether you buy health insurance with an OPD cover or without an OPD cover.