The hospitalisation-only aspect of health insurance has long been a pet peeve of policyholders. The idea of paying premiums for an uncertain and even unlikely future event puts many off health covers altogether. Enter outpatient department (OPD) covers from ICICI Lombard, Apollo Munich and, more recently, Cigna TTK, which pay for doctor's consultation, dental treatment, pharmacy bills and so on. Cigna TTK also offers a 'return' of 5% as a bonus if any unutilised balance is carried over to the ..
