The majority of the consultations, diagnostic procedures, and even some minor surgeries are performed conveniently without requiring a hospital stay, thanks to the advancements in medical science. This is termed as out–patient department care of OPD treatment. Though these procedures are performed on an outpatient basis, they do incur significant hospital costs and are imperative to cover them under the health insurance policy.
All About OPD Health Cover:
A comprehensive health insurance policy with OPD cover will fund the medical bills that arise out of OPD treatments. OPD treatment costs include doctor consultation for any illness and injury, root canal treatment at the dentist’s office, minor procedures on the ENT and other organs, etc. Policy seekers should look for health insurance policies with OPD cover with the following features.
1. Online processing:
The health insurance policy with OPD cover should make the health care claim easy, quick, and hassle–free. Most of the programs of modern times are paperless and require no hard copies, indeed for claims settlement.
2. Treatment in Any Hospital:
The insurance policy should cover a wide network of enlisted hospitals to seek immediate medical help indeed at times of emergencies. Insurance based on reimbursement is highly beneficial for OPD treatments.
3. Should Cover Pandemics:
From the breakdown of the covid-19 pandemic, numerous OPD health insurance policies are covering pandemics as well, as the cost of their diagnostic test and treatment spans thousands of rupees.
4. No Restriction on Room Rents and Co-Payments:
Choose a policy that offers no restrictions on room limit as some OPD procedures are performed on high– end suites like a dental suite, cardiac suite, etc. These treatment facilities incur more costs than the plain doctor’s consultation office. Also, the policy shouldn’t come with anyco-payments and allow the insured to enjoy cash-free hospital treatment.