What is OPD Cover in Health Insurance?

Posted on: Dec 5, 2023 | 3 mins | Written by: HDFC ERGO Team

What is OPD Cover in Health Insurance?

We buy health insurance plans to keep our savings intact when a medical emergency comes knocking. But in most policies, hospitalisation is a must in order to make a claim. But what about the times when we don't get admitted? For instance, you met with an accident, and while you needed a few stitches, you were free to go home to recover from the injury. Yet, the cost of that minor procedure can be a few thousand, which is referred to as outpatient treatment charges. Will your health insurance cover it? Yes, it will if you have an OPD cover. Let's learn more about it.

A Few Common OPD Procedures

Some common OPD procedures which get covered in OPD plans are listed below.

Eye Procedures

Several procedures relating to eyes, such as cataracts, glaucoma, chalazion, and laser treatments like photocoagulation, are covered in OPD plans.

Skin Procedures

Some skin treatments can be done in OPD without getting admitted to the hospital. These are acne removal procedures and laser therapies for reducing wrinkles, scars, etc.

Mouth & Nose Procedures

Tonsillectomy or removal of tonsils, removal of nasal polyps, and treatment of certain mouth and nose infections are common OPD procedures, and their expenses can be claimed from your insurance provider if you have OPD coverage.

Meniscus Procedure

Meniscus acts as the knee's shock absorber. If you have a meniscus tear, a surgeon can provide the necessary treatment in OPD. This is quite common among sportspersons or those who exercise regularly in the gym.

OPD Cover with Health Insurance Benefits

• Covers expenses related to medicines, diagnostic tests, and doctor consultations

• The policyholder can claim multiple times as and when the expenses are done

• Covers multiple types of expenses, such as contact lenses, hearing aids, crutches, dentures, spectacles, etc., which are not covered in the regular healthcare plans

• Covers regular doctor consultation fees even for simple ailments like viral fever

• Offers coverage for preventive care services, like routine health check-ups, screenings, and vaccinations

• Some insurance providers offer cashless treatment for OPD procedures with additional premium

• Beneficial for those with chronic medical conditions like diabetes, arthritis, asthma, etc., requiring regular medical attention

• The insured can claim tax deduction under Section 80D for the premium paid towards OPD cover

Who Should Get a Health Insurance Plan with OPD Cover?

People between the age group of 25-40 years

People in this age group are more likely to use OPD services rather than in-patient hospitalisation. Due to their strong immunity, they are less likely to fall severely ill, requiring admission to a hospital. So, it makes sense for them to buy OPD coverage to stay financially protected against costs incurred on doctor consultations, medicines, lab tests, etc. Buying health insurance early also has benefits like lower premiums because insurers consider such policyholders low risk. Policyholders can also complete the waiting periods early and avail of tax benefits on health insurance premiums.

Fitness enthusiasts

Although fitness freaks are less likely to fall sick, they can still suffer workout-related injuries, which are treated in OPD. Buying OPD cover is a wise option as it will provide financial protection in such cases.

Senior citizens

It is recommended that senior citizens opt for OPD coverage because of their vulnerability to illness and infections and requiring frequent medical consultation. Due to age and low immunity, they may undergo minor surgeries and other OPD treatments like dental procedures. An OPD cover will help ease their financial burden by covering all the OPD expenses. A senior citizen health insurance plan with OPD cover will give them comprehensive coverage.

Employees with limited group health insurance coverage

If your group health insurance doesn't have adequate coverage, buying an additional personal healthcare plan for better protection is advisable.

Difference Between OPD Treatments and IPD Treatments

Here are some differences between OPD and IPD treatments:

OPD (Out-Patient Department)	IPD (In-Patient Department)
Patient does not get admitted to the hospital for more than 24 hours	Patient has to be admitted for more than 24 hours
Services include doctor consultations, diagnostic tests, routine check-ups, minor surgeries and procedures	Severe medical conditions which need intensive care and treatment
Patients can leave after a few hours of receiving treatment in case of minor procedures	Patients have to stay in the hospital for the duration of the treatment, which can be for a few days
Covers routine check-ups, lab tests, minor procedures, etc.	Covers in-patient, pre- and post-hospitalisation expenses

Why Should You Opt for an OPD Cover with Medical Insurance Plans?

There are many benefits of choosing an OPD cover in health insurance plans. This cover adds more value to your health plan and improves your healthcare experience. To begin with, it helps you save money spent on Outpatient Medical Expenses, thus significantly reducing your financial burden. It also encourages you to prioritise your health as you are no longer worried about doctor consultations, lab tests, and pharmacy bills and won't hesitate to go for a check-up. As you know, early diagnosis can help in the treatment of many ailments. People with chronic conditions can use this cover for regular health monitoring. OPD cover also makes the whole process convenient for patients because, in a network hospital, patients can get cashless services. Lastly, along with peace of mind, it also offers tax benefits under Section 80D of the ITA.

How to Choose an OPD Cover for Your Health Insurance Plan?

Begin with comparing options available to you. There are many insurance providers offering different plans with varying premiums. You should opt for a cover that suits both your needs and budget. You can easily compare these plans online either by going to different insurer websites or an aggregator app. Also, the cover should offer a wide network of hospitals, allowing you to avail cashless facilities. Don't forget to read the terms and conditions to ensure a fair deal. Thorough research will help you make a well-informed choice. Usually, buying such a plan from an insurer with a good market reputation is the best option.

Conclusion

Minor injuries or ailments that look harmless initially should not be ignored. And with OPD coverage by your side, you should not worry about the expenses. Now that you are aware of how the OPD cover can help you and the process of finding the best plan, all that remains is to start analysing how it ties well with your current insurance plan. Always feel free to discuss your insurance needs with the insurer or switch to one offering a better deal.

Disclaimer: The above information is for illustrative purposes only. For more details, please refer to the policy wordings and prospectus before concluding the sales.

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