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In health insurance terminology, OPD charges refer to Out-Patient Department expenses. It’s the cost incurred by patients for treatments and other minor surgeries that don’t require hospital stay overnight. It’s a day procedure.

According to recent market reports, spending money from your pocket to cover medical expenses accounts for 62% of all healthcare costs in India.

What is OPD Treatment?

Medical treatment does not only cover hospitalisation, but also diagnostics, check-ups, post-surgery consultations, etc. and so on. OPD treatment is the one in which you visit a hospital/clinic/healthcare center or any other recognized consultation room for the diagnosis and treatment advised by your medical practitioner or doctor. The treatment does not require admission/hospitalisation.

Health Plans have now broadened their Coverage Scope to include OPD Treatments as Well

Just a few years ago, health insurance companies in India mostly covered in-hospital charges. Out-patient charges had to be borne by the patient from his/her savings. However, many insurance providers have broadened the scope of their plans. They now cover OPD expenses, including:

  • Consultation fee
  • Pre-emptive medical check-ups
  • Cashless OPD claims
  • Pharmacy bills
  • Dental treatments,
  • Diagnostic tests, etc.

OPD Cover in Health Insurance

Health insurance with OPD expense coverage, provides coverage for several daycare procedure expenses, like medical bills, health checkups, diagnostic tests, ambulance charges, dental treatments, etc. no matter whether the patient is admitted or not.

Popular Health Insurance Policies with OPD Coverage

Health Insurance Policy Name

Health Insurance Company


Max Bupa

Tax Gain

Bajaj Allianz

Health Wallet

HDFC Ergo (formerly Apollo Munich)


Max Bupa

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