Outpatient Hospitalisation is when you go to the hospital for treatment but do not stay overnight. This type of treatment is typically used for less serious medical conditions that do not require close monitoring or care.
For example, services such as consultations, diagnostic tests, minor procedures, therapy sessions, and follow-up appointments.
Understanding Outpatient Hospitalisation with Example
Meera, a 40-year-old working professional, experiences persistent knee pain. She visits an orthopaedic specialist who diagnoses her with a ligament strain. Instead of hospital admission, the doctor recommends outpatient treatment, including physiotherapy sessions, pain management medications and follow-up consultations over the next few weeks.
How Health Insurance Covers It:
Since Meera has a health insurance policy with outpatient department (OPD) benefits, her policy helps cover the expenses of doctors' fees, physiotherapy, minor procedure and tests.
This coverage ensures that Meera receives timely medical care without worrying about out-of-pocket expenses, even when hospitalisation isn’t required.