InsuranceFinancial Glossary
OPD (Out-Patient Department)
Definition
Medical treatment where the patient visits the hospital for consultation, tests, or minor procedures and returns home the same day without being admitted. OPD expenses include doctor consultations, diagnostic tests, pharmacy bills, and physiotherapy sessions.
Why It Matters
Standard health insurance in India does not cover OPD expenses — it only covers in-patient hospitalization (minimum 24-hour admission). OPD covers are available as add-ons and can reimburse Rs 5,000-15,000 per year for routine medical expenses. For families with chronic conditions requiring frequent doctor visits, OPD add-ons can be highly valuable.