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Ref. No. KLI/22-23/E-BB/492
Are you confused between OPD treatment and day care treatment? To know which one to go for according to your medical requirements, Read this article.
With health insurance plans from top insurers now available online, most people now prefer buying a policy on their own without relying on an insurance agent. While purchasing insurance online comes with a host of benefits, the use of technical terms on websites and product brochures often makes the selection confusing.
To choose the best, it is always better first to understand these terminologies before making a decision. Two commonly used terms are day care treatment and outpatient department (OPD) treatment. Here is a detailed explanation of what they mean and how are they different from each other-
For making a health insurance claim, the policyholder is required to be admitted to a hospital for at least 24 hours. But with the advancements in medical technologies, several treatments that used to require the patient to remain at the hospital for multiple days can now be completed within hours. As the policy does not cover such treatments, patients must pay for them from their pockets.
To eliminate this inconvenience, most health plans now come with day care treatment coverage for procedures such as eye surgery, haemodialysis, dental surgery, etc. that are generally completed in a few hours. If you are receiving a day care treatment that your insurer covers, you can make a claim even if you are admitted to the hospital for less than 24 hours.
Outpatient department or OPD treatment does not require the patient to get admitted to a hospital for receiving treatment. It generally requires a normal visit to a doctor’s clinic or consultation room for receiving a specific diagnosis or treatment. As OPD treatment does not require the patient to get admitted to the hospital, the treatment is generally not covered by basic health plans.
But you can now find health insurance policies that come with OPD coverage. While they are not as common as plans with day care treatment coverage, you can still find some that cover outpatient treatment as well.
While day care treatment and OPD treatment might sound similar, there is a significant difference between the two. Day care treatments require hospitalisation, no matter if it is only for a few hours. For instance, a corrective eye surgery often requires a few hours of hospitalisation and is considered a day care treatment.
But OPD treatment does not require hospitalisation and is generally provided at a doctor’s clinic. A root canal treatment is an excellent example of an OPD treatment, wherein the procedure is performed at a dentist’s clinic, and no hospitalisation is required.
Selecting an insurance plan that is right for you abundantly depends on how well you understand the policy. Rather than assuming things, it is always better to get clear answers to all your queries and understand all the terminologies in detail before making the decision.
You can also contact a top insurer to know more about the plans they offer and then choose one that best fulfils your insurance requirements. You can also consider purchasing a family floater plan to secure the health of your loved ones too.
Amit Raje is an experienced marketer who has worked in various Fintechs and leading Financial companies in India. With focused experience in Digital, Amit has pioneered multiple digital commerce in India. Now, close to two decades later, he is the vice president and head of the D2C business department. He masters the skill of strategic management, also being certified in it from IIMA. He has challenged his challenges and contributed his efforts in this journey of digital transformation.
Prasad Pimple has a decade-long experience in the Life insurance sector and as EVP, Kotak Life heads Digital Business. He is responsible for developing user friendly product journeys, creating consumer awareness and helping consumers in identifying need for life insurance solutions. He has 20+ years of experience in creating and building business verticals across Insurance, Telecom and Banking sectors
Ref. No. KLI/22-23/E-BB/2435
The information herein is meant only for general reading purposes and the views being expressed only constitute opinions and therefore cannot be considered as guidelines, recommendations or as a professional guide for the readers. The content has been prepared on the basis of publicly available information, internally developed data and other sources believed to be reliable. Recipients of this information are advised to rely on their own analysis, interpretations & investigations. Readers are also advised to seek independent professional advice in order to arrive at an informed investment decision. Further customer is the advised to go through the sales brochure before conducting any sale. Above illustrations are only for understanding, it is not directly or indirectly related to the performance of any product or plans of Kotak Life.
