Building Outpatient cashless services - New York

Health insurance coverage for outpatient department (OPD) treatments typically includes medical costs for patients who do not require hospitalisation, such as expenses on consultations, diagnostic tests, and prescription drugs.

Health insurance in India has typically been synonymous with In-patient plans which cover hospitalisation and associated expenses; however, OPD coverage has now emerged as a significant part of health insurance programs.

In the last three years, the percentage of customers opting for OPD covers has quadrupled from 5% to 20%. The importance of OPD coverage became particularly evident during the pandemic and remains a key factor driving the demand for comprehensive insurance.

OPD coverage is a valuable addition to health insurance, especially for individuals requiring regular medical care. It also promotes preventive health by covering consultations and health check-ups allowing early detection and treatment, thus preventing more serious complications that could lead to hospitalisation. Many employers are now including programs to encourage overall employee wellness through out-patient coverage.