MAM
In a bid to help the underprivileged & frontline workers, GOQii launches ‘Health Quiz Karona’
MUMBAI: The nation is facing unprecedented challenges and in times of such adversity, is when we need to unite and fight the battle against the novel Coronavirus. While we sit in the comfort of our homes, it is the frontline workers who step out every day so that they can safeguard and help us come out of this situation successfully and with minimum damage. We now have a chance to contribute and come together as a nation to fight this crisis. GOQii, the smart tech enabled preventive healthcare platform has launched ‘GOQii Health Quiz Karona’, where you can earn points by participating in the quiz and donate them to the underprivileged and frontline heroes who put their lives at risk while serving us.
Though the 21-day lockdown is an extremely important step taken to curtail the spread of the virus, there are many people who are suffering grievously because of the shutdown. Through the ‘GOQii Health Karona Quiz’ you can partake in the act of giving and help the underprivileged and the frontline workers. The health quiz aims at busting myths around coronavirus, learning about health and immunity while lending support to a good cause from the confines of your homes. You can earn points for every right answer, while earning keys by completing daily tasks and inviting friends. Our donor partner – Bajaj Allianz General Insurance will convert the points into donations, while our karma partners – Uday Foundation and Annamrita Foundation will reach out to the underprivileged and frontline heroes to provide and distribute essentials. The more milestones you conquer in the quiz, the more points you can win and subsequently donate.
Commenting on the initiative, Mr. Tapan Singhel, MD & CEO, Bajaj Allianz General Insurance said, “We have always believed in being there for the citizens of our country in their direst hour of need and felt it’s our responsibility to contribute in whatever way we can in the ongoing Covid-19 crisis. We appreciate the initiative by GOQii, as it not only creates awareness about one’s health and well-being, but also encourages people do their bit for the well-being of society at large. As a part of a CSR project, we will be converting the points that people earn in the quiz in donation to Annamitra Foundation, which will then distribute free meals to the daily wage workers. We hope that we are able to make a difference to lives of many.”
Vishal Gondal, Founder and CEO of GOQii said, “This is the time for each one of us to step up and make sure that we as society not succumb to COVID19. It’s these little contributions that will help our government navigate through this time of crisis. GOQii has always believed in the concept of Karma & the act of giving, thus we came up with this interesting concept that will make ‘the act of giving’ a little more enjoyable while being helpful and informative. Through GOQii ‘Health Quiz Karona’ we have made it extremely easy for people to contribute and gain knowledge about COVID19 at the same time. We encourage everyone to be more considerate and help one another in such testing times”
The Health Quiz is also helpful in gaining knowledge about health, well-being as well as correct information on battling COVID19. There are number of quizzes available on GOQii Play, the interactive video coaching platform on the GOQii app, that you can participate throughout the day. It is the right time for all of us to make the best contribution to our health as well as towards others on the frontline.
If we think about how many times you visited a paediatrician during the year for your child’s fever, or went to the pharmacy for cough syrup, antacids, or prescription cream; how many physiotherapy appointments your spouse had throughout the year, or how many routine diabetes check-up appointments you had; most families would say that the ongoing healthcare cost to their family isn’t necessarily the sudden expense of a grown adult being admitted to the hospital, but rather the ongoing and regular expenses of running the household. Because of this, the search for the best family health insurance plans in India have evolved to include OPD covering as a significant factor in their decision making process.
As someone who has reviewed countless policies for families, I’ve seen a clear shift. Families are no longer satisfied with a plan that only activates during a hospital crisis. They want a partner for everyday wellness, and that’s what modern, comprehensive Health Plans for Family aim to be.
OPD Cover: The Game-Changer in Family Health Insurance
OPD, or Outpatient Department, cover handles expenses incurred outside of a hospital admission. This includes:
- Doctor consultation fees (General Physicians and Specialists)
- Diagnostic tests (blood work, X-rays, MRIs)
- Pharmacy bills (medicines prescribed)
- Minor procedures (dressing, injections)
Without OPD coverage, all these costs come directly from your monthly budget. A comprehensive Health Insurance with OPD Cover absorbs these shocks, transforming your policy from a seldom-used safety net into an active, year-round health management tool. For a family with children or aging parents, this isn’t a luxury; it’s a practical necessity.
Identifying the Best Family Health Insurance Plans In India with OPD
Not all OPD covers are created equal. When comparing Health Plans for Family, you must dig into the specifics. Here’s what separates the good from the truly valuable:
Integrated vs. Add-on Cover: Some of the Best Family Health Insurance Plans In India bundle OPD within the base plan (e.g., HDFC Ergo’s Optima Restore). Others offer it as a paid add-on rider. Integrated covers are often more seamless, but add-ons allow you to customize. Compare the sub-limits and overall value.
Realistic Sub-Limits: OPD coverage always has limits. Look for plans that offer a dedicated annual OPD sum insured (e.g., ₹10,000-₹25,000 per family) rather than a tiny per-consultation limit. This gives you flexibility, you can use it for a few major diagnostics instead of just small consultations.
Cashless OPD Network: The true convenience of health insurance with OPD cover is cashless access. Leading insurers have tied up with pharmacy chains, diagnostic centers, and clinic networks. You can walk in, show your card, and walk out without paying upfront. Check the insurer’s network partners in your locality.
Simplified Claims Process: For reimbursements outside the cashless network, the process should be digital and straightforward—via an app with document upload. Cumbersome OPD claim processes defeat the very purpose.
Key Players and What to Look For
Several insurers have pioneered strong family floater plans with OPD benefits. While new products emerge, plans like HDFC Ergo’s Optima Restore, ICICI Lombard’s Health Advantage Plus, and Niva Bupa’s ReAssure 2.0 have been notable for their structured OPD components. Star Health’s Family Health Optima also offers a comprehensive package.
However, the plan name is less important than its architecture. Your checklist for the Best Family Health Insurance Plans In India with OPD should verify:
Adequate In-patient Sum Insured: This is your core cover. Don’t compromise this for OPD. Start with at least ₹15-20 Lakh for a family of four.
Restoration Benefit: Crucial for families. It restores your main sum insured if exhausted, often including the OPD cover.
No Claim Bonus (NCB): Your reward for a healthy year should protect your OPD benefit too, often by increasing your overall sum insured.
Preventive Health Check-ups: A sign of a wellness-oriented insurer. Many top Health Plans for Family include free annual check-ups, complementing the OPD benefit.
Making the Smart Choice for Your Family
Choosing the right plan requires a simple audit. Tally your family’s average annual spend on doctor visits, tests, and medicines. You’ll likely find it’s a significant amount. Then, compare the premium of a comprehensive Health Insurance with OPD Cover against a basic plan plus your out-of-pocket OPD expenditure. The difference is often negligible, but the value is monumental.
For families, the Best Family Health Insurance Plans In India will be those that acknowledge the fact that the “real” journey for your family’s health occurs daily and not just during emergencies. By choosing a Family Health Insurance plan with meaningful OPD coverage, you will not only be insuring against your family getting sick, but also investing in your family’s ability to see their doctors or other healthcare providers on a more frequent basis for non-emergency issues and providing your family with a significant degree of peace of mind with regards to their financial and physical well-being. The shift away from reactive insurance to proactive insurance by families is now essential; it has become a necessity for the modern family that is living with intention.
