What Is The Difference Between Day Care Treatment And OPD Treatment?

When it comes to purchasing health insurance, there are a number of factors to consider before making a final selection. The sum insured range, outpatient treatment coverage, premium charged, day care treatment coverage, claim settlement method, and inclusions and exclusions are just a few factors to consider while choosing an insurance.

Health insurance is a form of policy that covers a person's medical and surgical costs. It pays the covered individual's care provider directly or reimburses expenses incurred as a result of illness or injury. Health insurance covers the cost of an insured person's medical and surgical expenses. To know more about health insurance, read on.

What Is OPD Treatment?

The outpatient department is abbreviated as OPD. It does not need the admission of patients to a hospital. It is the type of treatment that necessitates regular medical visits to a doctor's chamber or clinic. The medical practitioner might provide the therapy at his or her own clinic.

OPD expenditures are covered by a health insurance policy that includes doctor consultations, pathology testing, and investigations. It can also cover day-care therapy, dental work, and maternity-related costs.

Although outpatient department (OPD) therapy may appear to be quite similar to daycare treatment, the true distinction between the two may be observed in the type of hospitalisation necessary in any of the situations above. In an OPD therapy, for example, an individual must complete the full procedure without being admitted to the hospital. In a daycare procedure, however, an individual must be taken to the hospital, even if only for a short time, in order to initiate a claim. An excellent example of OPD here would be root canal treatment, which may be examined and treated without the need to be admitted to a hospital by visiting a dentist's clinic on a regular basis.

What Is Day Care Treatment?

The therapy for childcare is also known as the daycare process. It is a technically complex procedure that takes only a few hours to perform. It does not need the insured individual being in the hospital for an extended period of time. Furthermore, this form of treatment or surgery does not necessitate a 24-hour stay in the hospital. Dialysis, chemotherapy, tonsillectomy, cataract surgery, dental surgery (after an accident), and many other day care procedures are available.

Similarity Between OPD Treatment & Day Care Treatment

When a person purchases a health insurance policy with the OPD treatment feature or coverage, he or she is treated for a brief period of time for their medical problem. The same is true when it comes to daycare therapy. It implies that both methods of medical therapy are faster.

Differences Between OPD Treatment & Day Care Treatment

Following are the differences between OPD Treatment & Day Care Treatment -

1. Hospital Admission - OPD therapy does not require hospitalisation. While day care treatment requires hospitalisation for fewer than 24 hours.
2. Coverage Scope - While most health insurance plans cover day care procedures (treatment coverage varies by policy), OPD treatment costs are often excluded from health insurance policies unless expressly stated.
3. Coverage Level - Unlike daycare procedures, which are covered up to the sum insured with no restriction on treatment coverage (except for a few exceptions), OPD treatment is not covered up to the sum insured and has a sub-limit.

Claim Process - OPD Treatment & Day Care Treatment

Following is the claim process for OPD treatment & Day Care Treatment -

• OPD Treatment - After submitting the relevant documentation, expenditures for OPD treatment can be claimed. Sub-limits apply to OPD reimbursements.
• Day Care Treatment - Filing a claim for day care operations appears to be similar to making a claim for regular hospitalisation in this sort of therapy. By undergoing the treatment in a network hospital, one may simply take advantage of the cashless approach. Prior to being admitted to the hospital, the insured must notify his or her health insurance provider and provide all required paperwork. If the insured goes to a non-network hospital, he or she can get reimbursed by providing papers within seven days.

Endnotes

You might have a more secure future in terms of both your health and your money if you had health insurance. Individual health insurance is thus necessary for people, particularly if they are financially responsible for the family's well-being.

Do read - Common Illnesses Covered In Health Insurance

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.