Apollo DKV also on OPD/co pay bandwagon

Apollo DKV is planning different insurance products for the urban, rural and corporate populations. For the urban population, they are developing products to include all — doctor’s consultation, co-pay, outpatient visits and post-illness coverage. In the corporate segment, the products will include preventive health coverage, customised for corporate groups.

Products are under development.We feel for OPD the methodoly will be that if 25% is co pay amount ( to be paid by insured ) then he should pay that much amount at the time of consultation .This will result in no claim forms to be filled up at later date as balance amount will be paid by insurance company to the doctor or hospital.