Dear Jaspreet,

A fracture most times is administered as part of OPD, in general it not covered in a health insurance policy as it does not require over 24 hrs hospitalisation. However, there are someplans that do cover small amount of OPD expenses. If you hold such a plan you will be given coverage.

Day care treatments are procedure that due to advancement of technology can be done with a few hours without requiring hospitalisation. So getting a only hand or leg plastered which requires few hours in an emergeny... will not be covered.

Regards

Rohit Dhingra

You can explore Personal Accident Insurance. It covers permanent total, permanent partial & temporary total disability. There are value add-ons available like coverage of medical expenses due to accident. If you do not have a PA cover, take one. They come at a very low premium & serve to enhance your insurance portfolio.

As pointed by Rohit in this thread, Health Insurance usually doesn't cover a OPD event unless it is specifically included in your policy.

Asad

Hello Jaspreet,

OPD ≠ Day Care

Daycare covers hospitalization costs that require less than 24 hours of "in-patient" treatment due to technological advancement in medical science. OPD is treatment carried out in the OPD section of a hospital or around the doctor's consultation room. OPD is covered only in certain special policies.

The question to ask here is:

• Whether the person who has suffered a fracture require admission as an inpatient in the Day Care or under OPD?
• Does the treating of the fracture - plaster etc. necessitate hospitalization - require surgery in an operation theatre, or will it be done in the OPD section of the hospital?

If the person is treated under OPD - then health insurance usually won't cover it.

If admission to a hospital is necessary to treat the injury then it usually would get paid for.

Regards,

Team Beshak.