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Though medical insurance is a must have in present circumstances, one cannot buy an insurance without considering the significant factors associated with an insurance policy. Thus, when you are planning to buy an insurance, you must read the details of the policy and take into consideration all the important factors before finally buying the plan.
Some such factors include, coverage of outpatient (OPD) treatment, coverage of day care, sum insured amount, premium levied on policy, process of claim settlement, along with inclusions and exclusions available, and so on. Health insurance policies normally cover medical and surgical expenses caused due to ill health or injury of the insured person along with covering expenses for individual hospitalization by either paying directly to the hospital or by reimbursing the costs.
Read on to know about the differences between OPD treatment and day care treatment in health insurance.
OPD or the outpatient department is a treatment that offers regular medical visits or checkup at a clinic. In this case, you are not required to be admitted in a hospital. Here, the doctor might offer the treatment at his own clinic or even in hospital. However, he will not admit you in the hospital, rather will have your checkup done within a few hours.
Many health insurances include OPD coverage including consultation fee, fee of pathological tests, examination etc. Some insurances also cover day-care coverage, maternity coverage, and dental treatment coverage in the policy.
Though both OPD and Day care treatment look similar, there is a difference between the two in terms of hospitalization. For OPD hospitalization is not needed to complete the check-up. But in Daycare you might be hospitalized for a short duration, which is less than 24 hours.
For instance, if you get a root canal treatment done to your tooth, you may not be hospitalized for the treatment but you can simply visit the clinic of your dentist to get the treatment.
A medical or surgical procedure in a health treatment that requires less than 24 hours hospitalization is known as Day Care Treatment in insurance. A policy that offers cover for day care treatment is useful for the insured person. In this case, the insurance owner doesn’t need to be in the hospital for a long period. Here’s a day care treatment list or the list of treatments where daycare facility is required. However, this list is not all-encompassing as there are many other treatments where daycare facility is recommended.
There are some similarities between OPD and Day Care treatment:
Here are the differences between OPD and Day Care therapy:
The claim process of OPD treatment is very simple:
Irrespective of the treatment, a health insurance provides an insured person a reassurance securing his/her health and money. Especially when it comes to one being a sole bread winner in the family, it is very important to have an individual health insurance so that the person stays healthy, and his emergency health requirements can be met.
Similarly, family insurances allows security of the entire family in case of an emergency. Moreover, even in case of normal hospitalization of elderly or any other member of the family, floater insurances can come to your rescue if you don’t have enough savings in hand. You can also benefit from the cashless facility offered in many insurance policies along with availing benefits of OPD, Daycare and several other facilities.
However, the most important thing before considering a plan for yourself or your family is to make sure to read the documents and terms very well. This way, you will not miss out on an important point or feature that you may want to avail.
PayBima is an Indian insurance aggregator on a mission to make insurance simple for people. PayBima is the Digital arm of the already established and trusted Mahindra Insurance Brokers Ltd., a reputed name in the insurance broking industry with 17 years of experience. PayBima promises you the easy-to-access online platform to buy insurance policies, and also extend their unrelented assistance with all your policy related queries and services.
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