Question: I want to take on a add on health insurance for my wife and me.We both are insured each for 3 lacs. I am 59 and she is 54 years of age. on health insurance for myself and my wife. Is there any policy which covers some portion of the family doctors consultation fee/medicines fee which does not involve hospitalisation?,(this should be in addition to hospital treatment)

There are quite a no. of options that you can go for without OPD, but there is only one product available with OPD features.You have not mentioned about your wife and your health condition - so I presume that you are in Good Health Condition.

Only option with cover on regular doctors consultation, dental and medicines (OPD) is ICICI Health Advantage Plus

Premium Rs. 15000 for Rs. 3 Lakh cover on hospitalisation and Rs. 2000 cover on OPD.

Click here to buy online: https://www.insurancemall.in/Forms/frm_G_Search_Page.aspx?qsInsr=L&qsInsrTypId=IT0015

Good Options without OPD for Rs. 3 Lakh cover:

1. ICICI Lombard - Family Floater: [Premium Rs. 13067]

This is the good old average off-the-shelf product with average features, but high priced.

2. Apollo DKV - Easy Health:Premium Rs. 14607

Apollo DKV is a better product as it has some good features like

• Life Long Renewal - The policy can be renewed till the person ceases to live, compared to 70-75 years of maximum policy ceasing age in other companies.
• Large Hospital Network - More than 4000 hospitals covered.
• Free Health Assessment and Counselling: The Company provides a Free Health assessment and counselling of the person insured.
• Company Background: The company is a Joint Venture between Apollo Hospitals and DKV which is one of the largest Health Insurance Companies in the world.

For live quotes and purchase you can go through the following link: https://www.insurancemall.in/Forms/frm_G_Search_Page.aspx?qsInsr=L&qsInsrTypId=IT0015