Is an OPD plan worth it for you?
An OPD plan pays you back for everyday medical bills, up to limits. Whether it is worth the price depends entirely on how often you actually pay for a doctor, a test or a prescription. Put your own numbers in and see.
Doctor consultations
Visits to a doctor you pay for yourself.
Lab tests and scans
Blood tests, scans and imaging you pay for yourself.
Medicines
Pharmacy bills against a prescription.
Use the price at the lab you would actually book. Leave it blank if you would not have one at all.
What each plan would return
Fill in how often you actually pay for these, and the figures will appear here.
The caps used here come from the Livlong terms and conditions: reimbursement of at most ₹500 per claim, one claim per category per month, and a yearly limit per category set by the plan. This is an estimate to think with, not a quotation.
How this calculator works
It applies the three limits that decide what an OPD plan actually pays. Any single claim is reimbursed up to ₹500. You can claim once per category per month, so at most twelve times a year in each. And each category is capped at the plan yearly limit, which is ₹1,000, ₹2,000 or ₹3,500 depending on the plan. Those caps come from the Livlong terms and conditions.
The published discounts on labs and consultations are left out on purpose. They depend on the network and the city, so counting them would flatter the result. Treat them as upside rather than as part of the return.
Related: the OPD plans and what they cover and our guide to OPD insurance in India.
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