Basic Differences between OPD Treatment and IPD Treatment

Have you ever heard of a situation in which someone you know had a cardiac arrest and the family had to rush him/her to the hospital; however, they could not continue the treatment there because of the high bills? Well, this is not a very uncommon story and has happened to so many people in India. You can actually find many people in the country who are not able to get the right medical treatment because of high hospital bills. If you also do not want to end up like this, you must purchase a health insurance policy.

Let us first discuss the reasons for buying a health insurance policy

• Protection of family

All the members of our family need the protection of health insurance. If you go on buying a health insurance policy for each of them, it will certainly cost you a lot. Therefore, you can opt for a family floater health insurance policy which will provide coverage to your family members including your spouse, children, and your parents. However, all these members have to be dependent on you.

• Sedentary lifestyle

These days the majority of us live a sedentary lifestyle because of which we are developing some lifestyle diseases. As a matter of fact, there are some diseases which earlier were mainly found in older people have now become common in the young generation. Some of the diseases are obesity, diabetes, respiratory issues, health-related problems, and many more. These health conditions sometimes make us visit the doctors frequently, which also leads to paying consultation fees. A health insurance policy can be of help at that point.

• Taking care of your savings

Once you are sick and admitted to a hospital, you can expect a major chunk of your savings to go into paying the bill. However, if you have a health insurance plan, you will not have to worry about your savings. The insurance company will take care of it.

• Inflation

Inflation is the rate at which prices of a few things go higher over a period of time. And medical inflation is the highest of all. If you buy a health insurance policy early, you will be able to pay lower premiums and also beat inflation.

Difference between OPD Treatment and IPD Treatment

There are basically two types of treatments, Out-patient Department (OPD) treatment, and In-patient Department (IPD) treatment. Let us understand the difference between OPD and IPD treatment.

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• Out-patient Department or OPD treatment is the kind of treatment in which a patient does not need to be hospitalized at all. The treatment can be carried out in the clinic of the medical practitioner also. In an In-patient Department (IPD) treatment, the patient has to be hospitalized for more than 24 hours.
• OPD treatments include dental surgeries, minor surgeries, ophthalmic procedures, etc. Whereas, in an IPD more serious health conditions are dealt with. Complex surgeries and even childbirth are included in IPD treatment.

These are the basic differences between OPD and IPD treatment. However, while buying a health insurance policy, you need to make sure that both OPD and IPD coverage is provided to you. In some cases, we need OPD treatment, and having health insurance can be very helpful.

To find some of the best health insurance policies in the country that provide coverage for both OPD and IPD treatments, you must take a look at the IIFL website. As you visit the website, along with the health insurance plans, you will also be able to find all the required information about them. If you want, you can even use the health insurance premium calculator to check the premium amount that you have to pay to continue the health insurance plan.

Ulani Uriah

Umar Nisar was born and raised in the busy city of Abbottabad. As a journalist, Umar Nisar has contributed to many online publications including PAK Today and the Huffing Post. In regards to academics, Umar Nisar earned a degree in business from the Abbottabad UST, Havelian. Umar Nisar follows the money and covers all aspects of emerging tech here at The Hear Up.

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