₹1,200 and the sub-limit on vaccines in the OPD cover is ₹800, then you’ll have to bear the excess ₹400 out of pocket.Dr Rashmi Nandargi, head-retail health underwriting, Bajaj Allianz General Insurance Co Ltd said it’s also important to check whether your OPD cover pays for vaccines or not.Understand that just because policies with an OPD cover may pay for vaccination, doesn’t mean you must buy one. “At an industry level there are no standalone OPD covers and even the ones that come with indemnity policies, the premiums are quite high because OPD utilization would be higher than hospitalization.