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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)

Experience one-of-its kind OPD benefits

Tata AIA
OPD Care

Experience one-of-its kind OPD benefits

 

Tata AIA
OPD Care

  • 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

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    What Is Tata AIA OPD Care?


     


    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.

    • Benefits Of the Tata AIA OPD Care

      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.

    Why Should You Opt for The OPD Care Rider?
     

    • Hassle-free end-to-end solution

      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.

    • Affordable

      Adding an OPD Care Rider to your policy can be more cost-effective than availing of the listed benefits separately through other individual policies.

    • Greater Customisation

      Depending on the rider plan options available, you can choose the best plan and enjoy the customised benefits throughout the policy term.

    • One-stop solution

      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.

     

    List of Minor Procedures

    • 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

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    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)
    (Minor Procedures)- If tests are prescribed post consultation with Doctor, amount will be credited to wallet
    Incase of In-person/OPD consultation- Prescription to be uploaded to avail diagnostic benefits

    No

    4 Prescriptions
    /Year with a capping of Rs 250 per prescription

    6 Prescriptions
    /Year with a capping of Rs 250 per prescription

    8 Prescriptions
    /Year with a capping of Rs 250 per prescription

    5 Prescriptions
    /Year with a capping of Rs 500 per prescription

    7 Prescriptions
    /Year with a capping of Rs 500 per prescription

    Pharmacy

    Cashless Pharmacy Cover- If medicines are prescribed post consultation with Doctor, amount will be credited to wallet
    Incase of In-person/OPD consultation- Prescription to be uploaded to avail pharmacy benefits

    No

    No

    3 Prescriptions
    /Year with a capping of Rs 250 per prescription

    5 Prescriptions
    /Year with a capping of Rs 250 per prescription

    4 Prescriptions
    /Year with a capping of Rs 500 per prescription

    6 Prescriptions
    /Year with a capping of Rs 500 per prescription

    Prescribed Physiotherapy

    Physiotherapy Sessions- If prescribed by doctor.
    Only physical methods covered

    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.

    To access your OPD Care benefits, please download the VISIT app.

    In case of any queries feel free to reach us at:

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    Frequently Asked Questions

    Disclaimer

    • Tata AIA OPD Care (UIN: 110A166V02) - A Linked, Non- Participating Individual Health Rider
    • Tata AIA OPD Care is available with Tata AIA Smart Health - Unit Linked, Non-participating, Individual Health Insurance Plan (UIN: 110L168V02) 
    • ^Riders are not mandatory and are available for a nominal extra cost. For more details on the benefits covered, rider charges and exclusions under the Riders please refer to the Rider Brochure or contact our Insurance Advisor/ Intermediary or visit our nearest Branch Office.
    • #Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfilment of conditions stipulated therein. Income Tax laws are subject to change from time to time. Tata AIA Life Insurance Company Ltd. does not assume responsibility on tax implications mentioned anywhere on this site. Please consult your own tax consultant to know the tax benefits available to you.
    • This Rider is underwritten by Tata AIA Life Insurance Company Ltd. This Rider is not a guaranteed issuance Rider, and it will be subject to Company's underwriting and acceptance.
    • Premium for this rider is deducted by the way of cancellation of units from fund.
    • Insurance cover is available under the Tata AIA products and are underwritten by Tata AIA Life Insurance Company Limited.
    • For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale.
    • Risk cover commences along with policy commencement for all lives, including minor lives.
    • For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale.
    • For ULIP Products 
      • Linked Insurance Products do not offer any liquidity during the first five years of the contract. The policy holder will not be able to surrender/ withdraw the monies invested in Linked Insurance Products completely or partially till the end of the fifth year.
      • Tata AIA Life Insurance Company Limited is only the name of the Insurance Company & Tata AIA OPD Care is only the name of the Unit Linked Life Insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns.
      • The fund is managed by Tata AIA Life Insurance Company Ltd.
      • For more details on risk factors, terms and conditions please read Sales Brochure carefully before concluding a sale. The precise terms and condition of this plan are specified in the Policy Contract.
      • Past performance is not indicative of future performance. Returns are calculated on an absolute basis for a period of less than (or equal to) a year, with reinvestment of dividends (if any).  
      • All investments made by the Company are subject to market risks.The Company does not guarantee any assured returns. The investment income and price may go down as well as up depending on several factors influencing the market.
      • Please make your own independent decision after consulting your financial or other professional advisor.
      • Unit Linked Life Insurance products are different from the traditional insurance products and are subject to the risk factors. Please know the associated risks and the applicable charges, from your Insurance Agent or Intermediary or Policy Document issued by the Insurance Company.
      • Various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns. The underlying Fund's NAV will be affected by interest rates and the performance of the underlying stocks.
      • The performance of the managed portfolios and funds is not guaranteed, and the value may increase or decrease in accordance with the future experience of the managed portfolios and funds.
      • Premium paid in the Unit Linked Life Insurance Policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the Insured is responsible for his/her decisions.
      • Please know the associated risks and the applicable charges, from your insurance agent or the Intermediary or policy document issued by the Insurance Company.
      • Insurance cover is available under the product. 
      • The products are underwritten by Tata AIA Life Insurance Company Ltd. 
      • The plans are not a guaranteed issuance plan, and it will be subject to Company’s underwriting and acceptance.
      • For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale.
      • L&C/Advt/2024/Feb/0440
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