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IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER
A Linked, Non-Participating Individual Health Rider (UIN: 110A166V02)
In-person and virtual consultations across 18+ specialties and general physicians
Prescribed diagnostic tests and pharmacy
Chronic care disease management sessions to sail through health conditions like diabetes, thyroid disorder, hypertension, etc.
Unlock Complete Health Protection
Unlock Complete Health Protection
Our experts are happy to help you!
Tata AIA OPD Care provides end-to-end healthcare solutions. Under this rider^, you and your family members can avail benefits like consultations with general physicians or specialists, booking physiotherapy sessions, coverage for medicines prescribed, managing your nutrition intake, and accessing emotional wellness tools like podcasts, guided meditation, and mood tracker.
TATA AIA OPD Care Rider will be available with Tata AIA Smart Health Plan, and the rider charges will be deducted from the base plan. It will allow you to avail financial assistance for health expenses during the ULIP lock-in period. The OPD Care Rider will have six options, from OPD Basic to OPD Comprehensive, based on varying coverage amounts and offered features.
Key Rider Benefits
In-person and virtual consultations with specialists and general physicians.
Regular monitoring of your health if you possess any health conditions like Hypertension, Diabetes Mellitus, Obesity/ Weight Management, High Cholesterol and Thyroid disorders.
Diagnostic test & pharmacy expenses are covered.
Get Physiotherapy sessions with a qualified physiotherapist to help you recover from any deformity.
Keep yourself young with emotional wellness tools like guided meditation, mood tracker, podcasts, etc.
User-friendly application that ensures quick and hassle-free consultation or registration processes.
Outpatient consultations
Under this benefit option, you/your added family members can avail medical consultation by a doctor/specialist for any injury sustained or illness contracted during the rider term. You/your added family members can avail in person consultation at the doctor’s clinic post booking an appointment on designated mobile app.
Coverage For Diagnostic Tests and Minor Procedures
Get coverage for medical expenses incurred for the listed outpatient diagnostic tests and minor procedures prescribed by a medical practitioner.
Pharmacy
Stay covered for purchasing medicines and drugs as prescribed by a medical practitioner upon booking the consultation from the designated mobile app.
Cashless Physiotherapy Sessions
Avail cashless physiotherapy sessions with a qualified physiotherapist as advised by qualified medical practitioners to treat an illness, injury, or deformity.
Virtual Consultations
Book an appointment on the mobile app and avail medical consultation through various modes of communication such as audio, video, online portal, chat or mobile application with a doctor or specialist for any injury sustained or illness contracted during the rider term.
Emotional Wellness – Tele-Consultation
Avail digital session on emotional wellness with a psychologist. The sessions will assist in dealing with issues such as personal and lifestyle imbalance, parenting and childcare, pre-marital counselling, psychological or mental illness, stress, and anxiety, etc.
Emotional Wellness
Get access to emotional wellness tools such as guided meditation, mood tracker, and podcasts on the app designed to make your personal life fruitful amidst a busy life schedule.
Nutrition Management
Stay healthy by taking nutrient management sessions through an e-consultation mode and bringing your new year's resolution of a nutritious and healthy lifestyle to reality if it is a priority.
Condition Care Management
The virtual coach or digital tools ensure regular monitoring and timely intervention in case of any deterioration in the health condition for health conditions like obesity and weight management, high cholesterol, thyroid disorders, diabetes mellitus and hypertension.
Emergency Care (Ambulance Assistance)
Certain instances require immediate and rapid transportation to the hospital. Through this rider, you can get assistance in booking an ambulance. However, it is an assistance service, and the cost will have to be borne by you.
As the OPD Care Rider is added to your portfolio and accessible through our mobile app, you and your added family members get coverage for common healthcare expenses all in one place.
Adding an OPD Care Rider to your policy can be more cost-effective than availing of the listed benefits separately through other individual policies.
Depending on the rider plan options available, you can choose the best plan and enjoy the customised benefits throughout the policy term.
The OPD Care Rider is a one-stop solution that can help you book a consultation with a medical practitioner, cover medical bills, minor procedures, etc., and provide access to wellness sessions through a single and designated mobile application for you and your covered family members.
Drainage of Abscess
Injection, including Intramuscular
(Per Injection Cost)
Sprain Management (Joint Movement or Exercise)
Otoscopic Examination
(Magnifying Otoscopy)
Intravenous Injection (IV)
Nasal Packing for Control of Haemorrhage
Nebuliser Therapy
Removal of a Foreign Body
Suturing (Staple under LA)
Removal of Suture
Stabilisation of Joint
Syringing Ears to Remove Wax
Application of Removal of Plaster Cast
Laryngoscopy
Minor Wound Management
Benefit Category |
Benefit |
OPD Basic |
OPD Standard |
OPD Essential |
OPD Advance |
OPD Advance Plus |
OPD Comprehensive |
Out Patient Consultations |
In-person Cashless OPD Consultations with General Physicians |
No |
No |
4 |
5 |
7 |
10 |
In-person Cashless OPD Consultations across 18+ Specialties |
No |
No |
2 |
3 |
5 |
8 |
|
Diagnostics |
Cashless Diagnostic Cover (Pathology + Radiology) |
No |
4 Prescriptions /Year with a capping of Rs 250 per prescription |
6 Prescriptions |
8 Prescriptions |
5 Prescriptions |
7 Prescriptions |
Pharmacy |
Cashless Pharmacy Cover- If medicines are prescribed post consultation with Doctor, amount will be credited to wallet |
No |
No |
3 Prescriptions |
5 Prescriptions |
4 Prescriptions |
6 Prescriptions |
Prescribed Physiotherapy |
Physiotherapy Sessions- If prescribed by doctor. |
No |
No |
6 |
8 |
10 |
12 |
Virtual Consultations |
Tele-Consultations via Chat/Phone/Video with General Physicians- 24*7 |
6 |
6 |
6 |
6 |
8 |
10 |
Tele-Consultations via Chat/Phone/Video across 18+ Specialties |
6 |
6 |
6 |
6 |
8 |
10 |
|
Emotional Wellness |
Tele-Consultations via Chat/Phone/Video with Psychologists- 24*7 |
6 |
6 |
6 |
8 |
Unlimited Uncapped Usage |
Unlimited Uncapped Usage |
Nutrition Management |
Teleconsultations with Nutritionists |
6 |
6 |
6 |
8 |
10 |
10 |
Chronic Care Management |
Chronic Disease Management Programs will be offered basis HRA and metabolic profiling, for conditions for Diabetes, Hypertension, High Cholesterol, Weight management, Thyroid disorders |
No |
No |
Basic Health Coaching |
Basic Health Coaching |
Basic Health Coaching |
Basic Health Coaching |
Emergency Care |
Ambulance Assistance - Cost of the service to be borne by customer. Assistance in connecting to ambulance service provider will be covered. |
No |
No |
No |
No |
Yes |
Yes |
Value Added Services |
Discounted Pharmacy Ordering - In Store / Home Delivery (Upto 15% discount) |
Unlimited Uncapped Usage |
Unlimited Uncapped Usage |
Unlimited Uncapped Usage |
Unlimited Uncapped Usage |
Unlimited Uncapped Usage |
Unlimited Uncapped Usage |
Discounted Diagnostics- Home Sample collection/Centre Visit (Upto 20% discount) |
Health conditions have always been one of the most uncertain and unfortunate event in a person’s life. Technological developments have brought in lifestyle changes which have added on to this uncertainty. There is a growing need to visit doctors for regular medical consultation and treatments. To provide you cover against these regular unexpected expenses, Tata AIA presents its Tata AIA OPD Care.
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