Health Insurance with OPD Cover: Check Coverage & Benefits

Even though in-patient medical expenses tend to be significantly higher, outpatient costs can accumulate over the year and can burn a hole in your pocket. A recent survey by ET Prime revealed that nearly 62% of healthcare costs in India are towards Out-patient Department (OPD) expenses. With rising healthcare costs, it is wise to choose a medical insurance plan with OPD cover. This article helps you understand the benefits of Health Insurance with OPD Cover Online

OPD in health insurance is a term used to describe outpatient services that are not covered under regular health insurance plans.

Not all medical issues require hospitalisation. For example, you may need to visit the OPD to treat a minor illness or injury. During such instances, you may visit the clinic or the OPD of the hospital, get the doctor to assess the medical issue, may require a diagnosis through a lab test, and buy medicines at the pharmacy to treat the medical problem. For these services, you pay for doctor consultation fees, lab tests, and medicines.

Here are the advantages of OPD cover in Health Insurance Policy.

Here are the coverage details of OPD cover in medical insurance.

Here are the exclusions of OPD cover in medical insurance.

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Day Care treatment and OPD treatment are similar. However, there is a slight difference between the two as they differ in the technical aspects. Here are the differences between the two types of treatments.

Example: A root canal treatment that does not require hospitalisation is categorised as OPD treatment. In contrast, a dental surgery needed due to an accident and required hospitalisation of fewer than 24 hours can be classified as Day Care treatment.

There is a clear difference between the two types of treatment. Here are the differences between OPD and IPD.

Example: A root canal treatment is considered OPD treatment, while a heart surgery requiring hospitalisation for more than 24 hours is regarded as an IPD treatment.

Here are the reasons why you should consider buying medical insurance with an OPD cover.

Health insurance plans that provide OPD coverage are helpful for those who are looking to extend the primary plan’s coverage apart from coverage for hospitalisation. If you fall into any of the three categories, you should consider Health Insurance Plan with OPD Cover.