Employee Benefits Add-On
OPD benefits: cover doctor visits, medicines and lab tests — outside hospital
OPD benefits are an employer-funded add-on to your group health plan that reimburse employees' everyday outpatient costs — doctor consultations, prescription medicines, diagnostics and teleconsults — the care that hospitalisation cover ignores. Built for Indian businesses that want their team to seek care early, from ₹60/employee/month.
10,000+
Businesses trust Onsurity
20 lakh+
Members covered
10,000+
Cashless hospitals
₹60
Per employee per month
The everyday healthcare costs your group plan doesn't cover
Over 40% of India's health spending is still paid out of pocket (National Health Accounts, 2022-23) — much of it everyday outpatient care like consultations, pharmacy bills and lab tests that standard group health insurance doesn't cover. OPD Benefits fill that gap, so care never gets delayed because of cost.
43%
of India’s health spending is still paid out of pocket (National Health Accounts, 2022-23)
Medicines
are the single largest out-of-pocket health cost for Indian households (NSSO)
Not covered
Standard group hospitalisation plans exclude everyday OPD — doctor visits, medicines and tests
What OPD Benefits cover
Eight categories of everyday healthcare — fully reimbursable, fully flexible.
Doctor Consultations
Included
free teleconsultations — count varies by plan
Reimburse visits to general physicians, specialists and telemedicine consults — in-clinic or online. No minimum bill required.
Prescription Medicines
20% off
on prescription and OTC medicines
Cover pharmacy bills tied to a doctor prescription. Employees submit receipts and get reimbursed directly into their bank account.
Diagnostics & Lab Tests
65% off
on diagnostic tests and health check-ups
Blood panels, X-rays, ECGs, MRIs, ultrasounds — all covered when prescribed by a registered medical practitioner.
Dental Care
Routine dental consultations, scaling, fillings and extractions. Optional dental riders available for more extensive cover.
Clove Dental 12-month subscription at ₹399
Vision & Eye Care
Eye consultations, refraction tests and spectacle/lens reimbursement. Help employees protect one of their most valuable assets.
Preventive Screenings
Annual health check-up packages, vaccination reimbursements and preventive diagnostics that catch problems early.
Mental Health
Access to professional counsellors and therapists. Confidential sessions to support your team's emotional well-being.
Expert counselling sessions included
Fitness & Wellness
Gym memberships, fitness app subscriptions and wellness programmes — keep your team active and healthy.
Up to 60% off Cult Fit ELITE passes
Care that comes to you
Doctor consults, medicines and lab tests — everyday care your team can reach from wherever they are, no hospital trip required.
How claims work
Simple for employees. Zero admin burden for HR.
Employee visits a doctor or pharmacy
Any registered doctor, diagnostic lab or pharmacy in India qualifies — no network restriction.
Submit bills on the Onsurity app
Upload a photo of the prescription and receipt. Takes under 2 minutes on mobile.
Reimbursement in 3–5 working days
Onsurity reviews the claim and credits the amount directly to the employee's registered bank account.
Transparent, affordable pricing
OPD Benefits are an add-on to your existing Onsurity group health plan.
Essential
Annual limit: ₹5,000/yr
₹60
per employee/month
Most Popular
Standard
Annual limit: ₹10,000/yr
₹110
per employee/month
Premium
Annual limit: ₹15,000/yr
₹165
per employee/month
Tools, guides & explainers
Size up the cost, benchmark your cover, and get clear on the jargon before you add OPD.
Group Health Premium Calculator
Get an indicative per-employee/month cost in seconds.
Open →Is your policy good enough?
Score your current group cover out of 100 and find the gaps.
Open →Cashless claims, explained
How cashless treatment works and when it applies.
Open →Day care procedures
Treatments covered without a 24-hour hospital stay.
Open →Onsurity vs Plum
How our OPD and wellness cover compares.
Open →Get a quote
Configure OPD tiers and see the exact cost for your team.
Open →Frequently asked questions
Yes. Your group health insurance (GHI) covers hospitalisation — staying in a hospital for 24+ hours. OPD covers outpatient expenses: doctor visits, medicines, lab tests — the day-to-day healthcare costs that GHI does not touch. Onsurity OPD is an add-on that sits alongside your GHI plan.
You can add OPD benefits for teams as small as 2 employees. There is no upper limit.
Annual OPD limits are configurable. Common tiers are ₹5,000, ₹10,000 and ₹15,000 per employee per year. You choose the right tier for your team and budget.
Optional family floater OPD add-ons are available. Dependants (spouse and up to 2 children) can be included at an additional per-person premium.
Most claims are processed within 3–5 working days of document submission. Complex claims with missing documents may take up to 10 working days.
There is no waiting period for OPD add-ons. Benefits are active from the plan inception date.
Yes. Onsurity's OPD benefit includes up to 20% discount on prescription and OTC medicines through partner pharmacies. Teleconsultation is also included — the number of free consultations depends on the membership plan you choose.
Yes. OPD benefits on the Onsurity platform extend to dependent family members enrolled in the plan — spouse, children, and parents. Family members can book teleconsultations and access diagnostics through the Onsurity app.
Yes. Onsurity's OPD benefit includes mental health sessions through Amaha. Employees can access licensed psychologists and counsellors through the app. Mental health support is bundled with the OPD plan at no additional employee cost.
Hospitalisation (IPD) cover kicks in when an employee is admitted for 24+ hours — it covers room charges, surgery, ICU, and discharge costs. OPD (Outpatient Department) covers day-to-day health expenses: doctor visits, medicines, diagnostics, and teleconsultations. Both are important — OPD covers the everyday, high-frequency health needs, while hospitalisation cover handles major medical events.
Ready to add OPD cover for your team?
Talk to an Onsurity benefits advisor. We'll configure the right OPD tier for your team and show you the exact cost in 15 minutes.
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