So there is a need for plans that take care of outpatient department (OPD) expenses. Apollo Munich’s Health Wallet pays for OPD expenses in the form of reserve benefit. Universal Sompo’s OPD benefit covers spectacles, contact lenses and hearing aid, and is built into its flagship health policy. Apollo Munich Health Wallet has separate sum insured—reserve benefit—that can be used for opd expenses. The value of OPD reserve benefit in the former is Rs 5,000, which means you would be paying Rs 6,000 to get a benefit of Rs 5,000.

Source: Economic Times April 23, 2018 00:56 UTC