Do you often find yourself spending on doctor visits, medications, or diagnostic tests? If yes, OPD (Outpatient Department) cover could help reduce these out-of-pocket expenses.
While regular health insurance mainly takes care of hospitalisation costs, OPD cover offers benefits for certain medical expenses that don’t require you to be admitted to hospital. But since it comes at an additional cost, is it actually worth paying for?
Keep reading to discover what OPD coverage includes, how it differs from day care treatment, and when it may or may not make financial sense.
What is OPD coverage in health insurance?
OPD coverage generally includes medical expenses incurred without any hospital admission. These expenses may include doctor consultations, diagnostic tests, prescribed medicines, physiotherapy sessions and other routine treatments.
It can be particularly useful for individuals who need regular consultations, monitoring, or ongoing treatment.
“OPD is what happens when you just walk into a clinic with a bad fever, see a physician, get a prescription, and head straight home. It simply covers your routine out-of-hospital expenses like consultations, lab reports, and pharmacy bills,” says Sarita Joshi, Head of Health and Life Insurance, Probus.
