The pandemic has given us a hard time but one thing that all of us have learned is to take care of our health. The ones, who thought greens only meant plants are now adding salads to their diet, and the ones who thought moving only meant tours to the coffee machines, now go for walks in the parks. Another noticeable change that has come is in buying health insurance. Earlier, many people used to buy a health insurance policy to save on taxes. Now, they actually buy it to get financial help in a situation when they are hospitalized.
While buying a health insurance policy, we imagine ourselves on a hospital bed. What we do not consider is that we do not need to be hospitalized even for small health issues. As a matter of fact, if you have some kind of health issue that needs you to visit the doctor often for consultation or for changing medicines, you must buy an OPD cover along with a health insurance policy.
While looking for an OPD cover, you might come across the term IPD also. You must not get confused between these two and know the difference between OPD and IPD treatment. So, here is the difference that we are going to discuss today.
What is OPD?
OPD stands for Out-Patient Department. In an OPD treatment, you do not have to be hospitalized for 24 hours. If you are buying OPD coverage with your health insurance, you will get coverage for minor surgeries, dental procedures, consultations, and ophthalmic procedures. And none of these need you to stay back at the hospital.
What is IPD?
The full form of IPD is In-Patient Department. Once a patient is evaluated by a medical specialist, he/she is shifted to the IPD so that further treatment can be carried out. On the basis of the level of intensity of treatment, the patient needs, the room is decided, whether intensive care or a surgical unit. However, you need to know that to avail of the benefits of the IPD cover; you must be admitted to the hospital for at least 24 hours.
Over the years, the treatment cost of IPD has increased a lot and some of the treatments can even make a hole in the pockets of a common man. Therefore, the prudent idea is to buy an IPD cover to get the necessary financial support when you need it the most. As a matter of fact, you will be able to save a lot of money in the future by buying an IPD cover today.
The importance of health insurance coverage
As you buy the OPD or IPD covers, you give your family great protection. Having a health insurance policy helps you and your family to get the best treatment without worrying about the money. Here we are discussing the significance of a health insurance cover.
Hospitalization expenses
On being admitted to the hospital for more than 24 hours, you will be able to avail of the coverage on expenses such as room rent, surgeon charges, nurse charges, doctor’s consultation, and many more.
Pre and post hospitalization
Some of the medical procedures need certain medical attention as well as medications a few days before and after the procedure. The expenses related to these days are covered under the majority of the health insurance plans.
Renewal options
You will come across some health insurance plans that come with lifelong renewal options. This will help you from saving time in the renewal of insurance and look for other insurance providers.
Now that you know the difference between OPD and IPD treatment and are also aware of the importance of health insurance, you can start looking for one. You can visit the IIFL website and find the health insurance policy that suits you the best.
