Outpatient Medical Services Network in Health Insurance: Benefits & Coverage

Home / Health Insurance / OPD Cover / Out-Patient Medical Services Network in Health Insurance

With the onset of the global pandemic COVID-19, India has witnessed a massive rise in medical inflation. Even though medical costs have considerably increased, it has made the healthcare systems evolve thoroughly.

In the present times, you can also avail certain medical services without physically visiting hospitals or labs, giving rise to cost-effective alternatives. Hence outpatient medical services network in health insurance has emerged as one of the efficient medical services, benefitting many lives.

So if you are wondering what outpatient care is, this blog is for you. Read further to learn more about its meaning, services covered and other related details.

What are Outpatient Medical Services?

Outpatient medical services refer to the healthcare services or medical treatments that can be provided within the comfort of your house. It means it can help you avail medical services that do not require you to stay in a hospital and can be completed within 24 hours.

OPD or the outpatient Department plays a crucial role in offering patients numerous advantages when it comes to effective medical services. Through this option, you can avail medical treatments for minor illnesses, and injuries without physically visiting any healthcare centre.

Thus, it also acts as a cost-effective alternative reducing your pharmacy or travel expenses. It is also beneficial for aged patients who may find it difficult to travel or wait for their turns in healthcare centres etc. Therefore, outpatient has become a must to include in your health insurance plan.

What are The Benefits Of Outpatient Medical Services?

Outpatient medical services are the result of advancements in medical services in the country, serving various advantages. Let us have a look at some of the benefits included in an out-patient health insurance plan:

Time-Saving

Outpatient medical services tend to be faster as compared to inpatients. This is because, through OPD services, you can get your treatments done within your home. Since you do not have to wait for hospital beds or spend time travelling to the hospitals.

Affordable

OPD services are way more cost-effective than visiting the hospitals in person for minor treatments. Through these services, you can not only save your travel costs but also hospital costs for overnight stays. By only including consultation and pharmacy expenses, it is a more pocket-friendly option.

Healthcare Efficiency

You can have better access to medical services through OPD. This is so since it reduces both your time and energy of travelling to the centres. This is especially helpful for people living in rural areas in getting optimum utilisation of such resources through a health insurance plan with OPD.

Enhanced Convenience

It takes a lot of effort to be able to maintain a balance between seeking timely medical treatments and managing your daily life. With outpatient services, you can efficiently go on with your daily chores and get your medical treatments done at the same time.

Immediate Treatment

Since through outpatient medical services you do not need to stay at the hospital or wait for your turn for lab tests, you can get swift treatments. Hence, it ensures you are provided with immediate services without disrupting your balance in everyday life.

Patient Satisfaction

Outpatient medical services have proved to be providing better satisfaction to the patients. This is clearly because through such services they get effective healthcare treatments at reduced cost and time.

Advantages of Buying a Health Insurance Plan from ACKO

There are several benefits that you can get from buying your health insurance plan from ACKO. Some are as follows:

ACKO Standard Health Plan

It guarantees that you will not have to spend anything out of pocket by providing 100% coverage for medical expenses and having no co-payment requirements on approved claims. One of the greatest insurance plans for elderly adults compared to other policies on the market is that it offers full room rent regardless of the kind of room.

ACKO Platinum Health Plan

It provides policyholders in India with alternatives like Rs. 1 cr and Unlimited sum covered with cashless hospitalisations in more than 14,300 facilities. In addition, there are no fees associated with the plan for non-medical costs. Add-ons like Doctor-on-call and Room Rent Waiver are pre-bundled with it. If you choose the ACKO Platinum Health Plan, you may additionally benefit from a Zero Waiting Period.

ACKO Platinum Super Top-up Health Plan

You stand to gain from the ACKO Platinum Super Top-up Plan as it provides you with an additional insured amount in the event that your claims exceed the current plan's limit. This plan, however, will take effect after a set deductible.

Enhance your health insurance by exploring these unique benefits
OPD Cover	Cashless Health Insurnce	Room Rent Limit	Unlimited Sum Insured

The Bottom Line

Therefore, when it comes to your healthcare activities, what you can not ignore are the exorbitant costs and lengthy waiting times associated with it. With an outpatient medical services network in health insurance, you can avail both a time-saving and cost-effective alternative to your regular hospital visit for minor treatments.

Frequently Asked Questions

The following are some of the commonly asked questions regarding outpatient medical services networks in health insurance:

Are there any tax benefits in opting for a health insurance plan with OPD coverage?

Yes, you can get tax benefits when you have a health insurance plan with OPD coverage under Section 80D of the Income Tax Act, through which you can opt for a maximum deduction of Rs. 25,000 to Rs. 50,000 based on certain parameters.

How can I purchase a health insurance plan with coverage for outpatient medical services?

Please note that usually outpatient medical services in a health insurance plan come as additional coverage or add-on option which requires additional charges. However, a health insurance plan may sometimes be bundled with outpatient medical insurance coverage. So, you need to ensure the coverage details when purchasing a plan with OPD coverage.

What medical services are provided through outpatient medical services?

You can avail those medical services through outpatient medical services, which require immediate hospitalisation. These include blood work, MRIs, X-rays, any kind of lab tests etc.

When is it possible to use the OPD services?

You can claim the OPD services coverage for medical treatments that do not require hospitalisation which include minor surgeries or lab work etc.

How effective can outpatient services be?

Outpatient services can be really effective, considering you do not have to wait for long hours to do your medical tests, letting you be in your comfort. It is especially helpful for kids and aged patients.

Disclaimer: The plans, services, features, processes, and other details mentioned on this page are subject to availability and changes. Please check the applicable policy wordings before making any insurance-related decisions. Feel free to reach out to us at [email protected] for any queries.