u/Financial-Gene5533

Why most of the insurer doesn't cover OPD, If they do it's a very limited amount. Would you ever buy a separate policy ONLY for OPD? If Yes, How much can you willingly spend on OPD policy for a year?

I genuinely don’t understand why OPD is still mostly excluded from health insurance in India.

Hospitalization is rare for most people.
But doctor visits, diagnostics, medicines, dental, skin, eye care — that’s where people actually spend money regularly.

My employer-sponsored insurance covers ₹5L hospitalization.
But I still pay almost everything out of pocket monthly.

Would you actually pay for a health plan focused mainly on OPD + diagnostics instead of hospitalization?

Or is there something fundamentally broken in the economics that makes this impossible?