• Published on: Jul 17, 2023
  • 2 minute read
  • By: Secondmedic Expert

Exploring The Importance Of OPD Coverage In Health Insurance

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In the realm of medical expenses, outpatient costs usually pale in comparison to inpatient expenses. However, a recent study conducted by ET Prime sheds light on a surprising revelation - outpatient department (OPD) expenses account for approximately 62% of healthcare costs in India. As healthcare expenses continue to soar, it becomes crucial to consider health insurance plans that include comprehensive OPD coverage. This article aims to provide readers with a thorough understanding of OPD coverage in health insurance and the associated benefits.

Understanding OPD Coverage in Health Insurance

OPD coverage within health insurance pertains to situations where individuals require medical attention without the need for hospitalization. This coverage acts as a financial safeguard, protecting policyholders from the financial burdens associated with OPD-related treatments and consultations. OPD treatments can be received by visiting a doctor's clinic and paying the consultation fees. Alternatively, hospitals may provide support and medical assistance through their general OPD ward.

Virtually all health insurance companies offer a variety of plans that incorporate OPD treatments. OPD coverage is designed to cater to expenses that are not covered during inpatient hospitalization.

Advantages of OPD Coverage in Health Insurance Plans

Let us delve into the advantages associated with having OPD coverage within health insurance plans:

1. Claiming Medical Expenses: OPD coverage allows individuals to claim medical expenses incurred without the need for hospitalization, thus providing much-needed financial relief.

2. Coverage for Diagnostic Charges, Consultation Fees, and Pharmacy Bills: Comprehensive OPD coverage encompasses diagnostic charges, doctor's consultation fees, and pharmacy bills, ensuring individuals receive holistic medical support.

3. Essential for Regular OPD Visits: For those who require frequent OPD visits due to ongoing medical conditions, OPD coverage becomes indispensable for effectively managing associated expenses.

4. Tax Savings: OPD coverage can contribute to tax savings, providing an additional financial advantage for policyholders.

Eligibility Criteria for OPD Coverage

Eligibility criteria for OPD coverage are not universally defined but depend on the specific health insurance plan an individual purchases. If a health insurance plan includes OPD expenses, the policyholder can avail themselves of all the associated benefits.Inclusions of

OPD Cover in Health Insurance

  • OPD coverage typically encompasses the following aspects within health insurance plans:
  • Doctor consultations
  • OPD treatments
  • Dental treatments
  • Vaccinations
  • Pharmacy expenses
  • Diagnostic tests

Exclusions Under OPD Cover in Health Insurance

While OPD coverage provides comprehensive benefits, it is important to be aware of exclusions. The following items are generally excluded from OPD coverage in health insurance:

  • Treatments related to purification, beautification, panchakarma, detoxification, etc.
  • Expenses for lenses, spectacles, hearing aids, implants, prosthetic devices, braces, etc.
  • Treatment received outside the country.
  • Preventive health check-ups.
  • Investigational experiments.
  • Investigational treatments.
  • Infertility and sterility-related conditions.
  • Complications arising from pregnancy, miscarriage, etc.

OPD Treatment vs. Daycare Treatment

Although OPD treatment and daycare treatment share similarities, there are important technical distinctions between the two:

  • Daycare Treatment:
  • Requires hospitalization for less than one day.• Settlement of claims is honored only for hospitalizations lasting up to 24 hours.
  • OPD Treatment:
  • Does not require hospitalization.
  • Settlement of claims is honored even without hospitalization.

Outpatient Treatment vs. Inpatient Treatment

Outpatient treatments and inpatient treatments differ significantly from each other. Let us explore the differences between OPD and IPD treatments:

Outpatient Treatment:

  • No hospital admission required.
  • Does not necessitate hospitalization.
  • Inpatient Treatment:
  • Requires hospitalization for more than one day.

  • Individuals must be admitted to the hospital for the duration of the treatment.

Reasons to Consider Health Insurance Plans with OPD Coverage

Obtaining a health insurance plan with OPD coverage offers numerous advantages. Considering the increasing trend of consultations and OPD treatments, the following individuals should contemplate purchasing health insurance plans that include OPD coverage:

• Individuals aged between 25 to 40 years.

• Senior citizens.

• Retired individuals.

• Fitness enthusiasts.

By comprehending the significance of OPD coverage within health insurance plans, individuals can make informed decisions about their healthcare needs, ensuring both medical support and financial security.

Read FAQs


A. OPD coverage in health insurance refers to the inclusion of benefits for outpatient department visits, medical expenses, diagnostic tests, doctor consultations, and pharmacy bills.

A. OPD coverage provides financial protection for medical expenses incurred without hospitalization, including consultation fees, diagnostic charges, and pharmacy bills. It helps manage healthcare costs effectively and offers tax savings in some cases.

A. OPD coverage usually includes doctor consultations, OPD treatments, dental treatments, vaccinations, pharmacy expenses, and diagnostic tests within the health insurance plan.

A. Exclusions under OPD coverage may vary, but common exclusions include treatments related to purification, beautification, investigational experiments, infertility and sterility-related conditions, and complications arising from pregnancy or miscarriage.

A. OPD treatment does not require hospitalization and claims can be settled without hospitalization. Daycare treatment requires hospitalization for less than one day, while inpatient treatment requires hospitalization for more than one day.

A. Individuals aged between 25 to 40 years, senior citizens, retired individuals, and fitness enthusiasts should consider health insurance plans with OPD coverage to effectively manage their healthcare expenses and ensure financial security.

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meetings

Walking Meetings via Voice Chat: A Smarter Way to Boost Health and Productivity in Remote Teams

Remote work has transformed how teams collaborate, but it has also increased sedentary behaviour. Long hours of sitting in front of screens contribute to fatigue, musculoskeletal pain and reduced mental focus. In this context, walking meetings conducted via voice chat have emerged as a simple yet effective corporate wellness practice that aligns productivity with health.

Walking meetings do not require additional time, special equipment or complex planning. They simply reimagine how meetings are conducted.

 

The Sedentary Challenge in Remote Work

According to WHO and ICMR data:

  • prolonged sitting increases the risk of heart disease, diabetes and musculoskeletal problems

  • remote employees often sit longer than office-based workers

  • screen fatigue negatively affects mental health and productivity

Traditional video meetings unintentionally reinforce inactivity.

 

What Are Walking Meetings?

Walking meetings are conversations held while participants walk instead of sitting.

In remote settings, these meetings:

  • are conducted via voice calls

  • eliminate the need for video screens

  • allow participants to move freely

They are ideal for one-on-one discussions, team check-ins and brainstorming sessions.

 

Why Voice Chat Works Best for Walking Meetings

Voice-only meetings:

  • reduce screen dependency

  • allow safer movement

  • encourage active listening

Without visual distractions, participants often engage more deeply in conversation.

 

Health Benefits of Walking Meetings

Reduced Sedentary Time

Even short walks help:

  • improve blood circulation

  • reduce stiffness

  • activate muscles

WHO recommends breaking prolonged sitting every 30–60 minutes.

 

Cardiovascular Support

Regular walking:

  • improves heart health

  • lowers blood pressure

  • supports metabolic health

Incorporating movement into meetings contributes to daily activity goals.

 

Musculoskeletal Relief

Walking reduces:

  • neck and back strain

  • shoulder tension

  • joint stiffness

This is particularly valuable for desk-bound employees.

 

Mental Health and Cognitive Benefits

Improved Focus and Creativity

Movement increases blood flow to the brain.

Studies cited by Lancet show that walking enhances:

  • problem-solving

  • creativity

  • memory recall

Many people report clearer thinking during walking discussions.

 

Stress Reduction

Walking helps:

  • lower cortisol levels

  • improve mood

  • reduce mental fatigue

This supports emotional wellbeing in high-pressure work environments.

 

Productivity Benefits for Organisations

Walking meetings:

  • reduce meeting fatigue

  • improve engagement

  • shorten meeting duration due to focused discussion

Employees often return to tasks feeling refreshed rather than drained.

 

Cultural Shift Toward Wellness-Oriented Work

Encouraging walking meetings signals:

  • trust in employees

  • commitment to wellbeing

  • flexibility in work culture

This improves morale and retention.

 

How to Implement Walking Meetings in Remote Teams

Simple steps include:

  • designating certain meetings as “audio-only”

  • encouraging participants to walk indoors or outdoors

  • keeping meetings concise

  • sharing agendas in advance

Clear guidelines ensure safety and effectiveness.

 

Safety and Practical Considerations

Best practices include:

  • avoiding walking in unsafe or crowded areas

  • using earphones for clarity

  • walking at a comfortable pace

  • pausing movement when taking notes

Inclusivity is important—walking should be optional, not mandatory.

 

Who Benefits Most from Walking Meetings?

Walking meetings are especially helpful for:

  • remote workers

  • hybrid teams

  • roles with frequent discussions

  • employees experiencing screen fatigue

They are less suitable for data-heavy presentations.

 

Walking Meetings as Part of Corporate Wellness Programs

Walking meetings complement:

  • ergonomics initiatives

  • mental health programs

  • physical activity challenges

They integrate wellness into daily workflows rather than adding extra tasks.

 

Long-Term Impact on Workplace Health

Over time, organisations adopting movement-friendly practices observe:

  • reduced burnout

  • improved energy levels

  • healthier work routines

Preventive health strategies are most effective when embedded into daily habits.

 

Role of Preventive Healthcare Awareness

NITI Aayog and WHO emphasise lifestyle modification as a core preventive health strategy.

Walking meetings align perfectly with this approach by:

  • reducing inactivity

  • promoting movement

  • supporting mental wellbeing

Small changes deliver cumulative benefits.

 

Conclusion

Walking meetings conducted via voice chat are a practical, low-cost and highly effective way to improve employee health and productivity in remote teams. By replacing sedentary meetings with movement-based conversations, organisations can reduce screen fatigue, enhance focus and support long-term wellbeing. In a remote-first world, walking meetings represent a smarter way to work—where productivity and health move forward together.

 

References

  • World Health Organization (WHO) – Physical Activity and Sedentary Behaviour Guidelines
  • Indian Council of Medical Research (ICMR) – Lifestyle and Non-Communicable Disease Reports
  • Lancet – Physical Activity, Cognition and Workplace Health Studies

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