Why OPD-ready health plans are essential in monsoon

Monsoons bring on a predictable surge in infectious diseases, making proactive healthcare planning essential for families nationwide. The country has long struggled with vector- and water-borne illnesses, but the seasonal spike in cases places extraordinary pressure on both public health infrastructure and household finances.

The National Centre for Vector-Borne Disease Control (NCVBDC) shows that as of March 2025, India had already reported over 16,000 dengue cases, a worrying early trend for the year. Dengue, malaria, chikungunya, and Japanese encephalitis collectively killed 285 people in 2024 alone, according to NCVBDC records. Dengue cases increased by 83% between 2019 and 2023, while deaths from the disease nearly tripled during the same period. Malaria, while showing progress in some regions, remains a persistent threat, with 209,640 cases recorded up to October 2024.

Waterborne diseases such as cholera, typhoid, and gastroenteritis also see a marked increase during this period. Contaminated water sources and poor sanitation contribute to the spread of these illnesses, especially in urban slums and rural areas. Respiratory infections and skin ailments become more common as well, driven by high humidity and fluctuating temperatures.

A critical gap in traditional health insurance is the lack of coverage for outpatient care. Most health insurance plans focus on hospitalisation, leaving routine doctor visits, diagnostic tests, and minor treatments uncovered. This leaves families financially vulnerable during periods of high disease prevalence, when repeated OPD visits are common. Recognising this vulnerability, insurers are increasingly offering OPD coverage as part of comprehensive health plans, reflecting a growing understanding of the importance of outpatient care in managing overall health and preventing more serious conditions.

OPD coverage is a financial game-changer for families navigating the disease season. It enables access to preventive care and early intervention, reducing the risk of complications and more costly treatments. Early diagnosis and treatment can prevent minor illnesses from escalating into serious conditions requiring hospitalisation. OPD benefits also provide family budget protection and financial predictability, covering routine healthcare expenses such as doctor consultations and diagnostic tests. Many OPD plans include coverage for routine health screenings, helping families stay ahead of health risks.

When selecting an OPD plan, it is important to look for the following essential features:

Coverage for doctor consultations, diagnostic tests, and pharmacy expenses

A wide network of clinics and diagnostic centres to ensure easy access to care

Simplified claim processes and cashless benefits to enhance convenience

Teleconsultation options that allow families to consult doctors from home and reduce the risk of exposure to infections

Coverage for routine tests and health check-ups to support preventive care and early diagnosis, further reducing the overall healthcare burden

This combination of features helps families manage their healthcare needs efficiently and with greater peace of mind.

In conclusion, OPD-ready health plans are a strategic tool for managing India’s seasonal health risks.