Difference Between IPD and OPD

Inpatient vs Outpatient: Which Type of Care Is Right for You?

IPD vs OPD is the difference many ponder to know about before going to a hospital. This is due to the fact that healthcare services have included many advancements in hospitals as per the day-to-day changes going around the world. We can never predict the rise of life-threatening conditions, which makes it important to have health insurance. One of the best ways to ensure that medical expenses incurred as a result of illness, surgery, or an accident are covered is through health insurance. 

But what if your claims are denied?

It is essential to be aware of the situations in which your claims could be denied. You can avoid issues with your medical claim settlement by keeping track of a few simple things. Inpatient and Outpatient care are the two categories used to categorise medical procedures and surgeries.

Although both types provide healthcare services, there are significant differences in the duration and expenses involved in medical facilities where patients are treated. Knowing whether you are an Inpatient or an Outpatient is essential if you need medical care and have health insurance that pays for your expenses. what is difference between OPD and IPD? Let's discuss about them. 

What is IPD?

IPD stands for Inpatient care. Let's see Inpatient care definition. When a patient needs to be admitted to the hospital for testing, treatments, or medical procedures, this is referred to as an Inpatient hospitalisation. Patients who have pre-planned surgery or a medical emergency are typically categorised as Inpatient hospital patients. Most of the time, the Inpatient department’s admitted patients might need careful monitoring and surveillance from healthcare professionals.

What is OPD?

IPD stands for Outpatient care. Let's see Outpatient care definition. When a patient merely needs a consultation with a doctor or a few minor treatments, they receive Outpatient care and do not need to be admitted to the hospital but requires diagnostic procedures and rehabilitation.

Typically, these operations are carried out in clinics, diagnostic facilities, etc. If you purchase a health insurance policy, you cannot be covered for Outpatient hospitalisation unless you select a specific add-on cover to do so.

Outpatient Treatment

OPD treatment means the one in which the Insured visits a clinic / hospital or associated facility like a consultation room for diagnosis and treatment based on the advice of a Medical Practitioner. The Insured is not admitted as a day care or Inpatient.

IPD vs OPD - Know the Difference  

Let’s have a look at the IPD vs OPD. The OPD and IPD have differences based on the nature of treatment, the need for hospitalization, and the level of care provided. So, the IPD vs OPD is given below.      

Advantages of OPD and IPD Treatment

What is difference between OPD and IPD in terms of advantages? To understand OPD vs IPD completely, let's understand the Difference Between IPD and OPD advantages.

Things to check before buying OPD and IPD Coverage

1) Factors to Consider while Choosing OPD Coverage

There are many factors to consider when selecting OPD coverage. Here are the factors to consider when choosing OPD coverage.  

Inclusions 

Check if the health insurance plan offers coverage for doctor consultations, diagnostic tests, medications, and preventive health check-ups.

Exclusions

Check if there are any exclusions, like dental or eye-related treatments, as they might not be covered.    

Waiting Periods

A few plans might have waiting periods for particular OPD services, so understand how long you must wait before getting benefits.  

Cashless Services

Check if your health insurance company has a wide network of empanelled hospitals and clinics offering cashless OPD services, which can enhance convenience during medical visits.   

Preferred Hospitals

Ensure that your preferred hospitals and doctors are part of the network.

Coverages

Make sure that there are any sub-limits on particular OPD services to overcome unexpected out-of-pocket expenses. Understand completely the overall insurance coverage limit and make sure that it will meet your expected healthcare expenses.      

Premium Costs  

Check if your OPD coverage is usually an add-on, so analyze the extra premium and see for its advantages and your healthcare patterns. Ensure the health insurance premium is reasonable for you and your family.     

2) Factors to Consider while Choosing the IPD Coverage

There are many factors to consider when choosing Inpatient Department Coverage. Here's a more detailed look at the factors :

Coverages

Comprehensive plans provide wider health insurance coverage for various inpatient procedures, diagnostics, and treatments.

Sum Insured

This is the maximum amount the health insurance will pay for your treatment. Check for your potential healthcare needs and budget when selecting the sum insured.  

Pre and Post-Hospitalization Coverages

See for the health insurance plans that cover medical expenses before and after hospitalization, as these can be significant.  

Waiting Period

Find out the waiting period (the time before your insurance coverage starts) for specific conditions or treatments.

Claim Process

Make sure that you have a better claim process for further.  

Network Hospitals

Make sure that you have enough cashless options in the network hospitals so you can simplify the payment process during hospitalization.

Day Care Procedures

Several health insurance plans now provide coverage for procedures that don't need a full hospital stay (i.e., dialysis, chemotherapy).

Restoration Advantages

A few plans provide restoration benefits, permitting you to top up your sum insured in case you've exhausted it during the policy year.

Co-payment Clause 

Understand the co-payment (the percentage you need to pay out-of-pocket) and how it impacts your overall cost.

Exclusions

Carefully go through the exclusions, as some conditions or treatments might not be covered.

Premium Reasonability

You must balance the cost of the premium with the level of coverage you require and your budget.  

Tax Benefits

A few health insurance premiums serve as tax-deductible. By carefully observing these factors, you can select an inpatient coverage plan that aligns with your health requirements and financial capabilities.   

Treatments Under OPD

OPD claims, or Outpatient Department claims, are the health insurance claims associated with the medical expenses incurred outside of a hospital setting. This means that the patient has no need to be admitted. The treatments under the OPD include :

• Consultations with healthcare or medical professionals, such as doctors and specialists.
• Preventive screenings and health check-ups.
• Prescribed medications from health care professionals or doctors.
• Diagnostic tests include X-rays, ultrasounds, and blood tests.
• Physiotherapy sessions and alternate therapies.
• Minor procedures are undergone in an outpatient procedure, such as suturing a wound.

Treatments Under IPD

IPD claims cover medical expenses for treatments requiring hospitalization for at least 24 hours, encompassing a wide range of services. This includes hospitalization costs, surgical procedures, diagnostic tests, medications, and pre/post-hospitalization care.  

• Major surgeries (e.g., heart surgery, organ transplants).
• Treatment of severe medical conditions requiring continuous monitoring (e.g., pneumonia, heart attack).
• Complex medical interventions.
• Post-operative care and recovery.
• Severe infections requiring intravenous medication.
• Treatment for chronic illnesses like kidney failure or cancer.

How do OPD claims work?

OPD claims under the health insurance policy permit a policyholder to claim refunds of medical expenses that have been incurred without hospitalization. Several health insurance policies offer cashless facilities for OPD treatments that are available from network hospitals or clinics.

How do IPD claims work?

IPD (Inpatient Department) claims, which are related to health insurance, provide coverage for hospitalizations for overnight or more stays because of major illnesses or complex conditions. The claim process could be either cashless or reimbursement-depending, based on whether the hospital is part of the health insurance company's network. 

Why do you need Outpatient coverage in your health insurance?

Whether you require Inpatient or Outpatient care depends on the type of medical treatment you require. In today’s world, getting health insurance with OPD coverage is essential for the following two reasons.

The prevalence of long-term medical conditions is rising due to a sedentary lifestyle, raising overall medical expenses. In order to meet everyday medical bills without fear, it’s essential to have a health insurance plan that offers coverage for Inpatient care. 

Understanding the difference between Inpatient and Outpatient treatment can help you in choosing the right health insurance plan that works best for you and your family. Before choosing the right insurance plan, read the policy’s terms and conditions carefully.