With the number of insurance options available, it is natural for you wonder ‘What is OPD cover in health insurance?' OPD (Outpatient Department) cover caters to services outside hospitalisation such as consultations, doctor's examinations, pharmaceutical expenses, physiotherapy, dental treatments, and diagnostic tests. It saves patients from spending their out-of-pocket cash.
With OPD services, the patient gets tested and treated and returns home. Usually, there's no need for an overnight admission in a hospital.
OPD Cover in Health Insurance
What is OPD cover plan? Typically, the OPD cover plan in health insurance caters to any of the following categories:
- Consultations with Medics
If you're consulting with doctors, general practitioners, medical specialists, or making follow-up visits, the OPD cover pays for the amount charged for the consultations.
OPD cover also caters to diagnostic tests that enable doctors to establish a patient's medical condition. The tests include X-rays, blood tests, ultrasounds, CT scans, and MRI scans. It may also cover other medical imaging procedures such as colonoscopy, gastroscopy, Electrocardiogram (ECG), Electroencephalogram (EEG), biopsy, and more.
OPD medical cover may also cater to minor procedures done in an outpatient scene like stitching open wounds or incisions, dental procedures, or removing foreign material lodged in the eye.
They often cover the cost of prescribed medicines. It caters to either short-term or long-term drug prescriptions for both acute and chronic conditions.
OPD insurance may cover alternative treatments such as chiropractic services and acupuncture.