Hospital bills me “OPD” aur “IPD” headings dekh ke log confuse ho jaate hain. Simple me, OPD (Outpatient Department) ka matlab hai ki tum treatment/consultation ke liye hospital jaate ho, lekin raat waha admit nahi hote. Doctor visit, basic tests, dressing change, physio sessions—ye sab OPD me aate hain.
IPD (Inpatient Department) tab count hota hai jab tumhe admission milta hai, bed allot hota hai, aur tum at least ek night hospital me rehte ho. Surgeries, serious infections, delivery, ICU stays—ye sab IPD category hai.
Insurance policies me kabhi-kabhi OPD coverage limited ya zero hota hai, lekin IPD (hospitalisation) ke liye larger coverage hoti hai. Isliye small problems me patients mostly cash pay karte hain, aur major admission ke time policy ka use karte hain.
Yeh samajhna bhi useful hai ki kuch procedures day-care hote hain—admission hota hai, but same day discharge. Old policies me inka confusion hota tha, but modern policies me many day-care treatments included hote hain (terms check karna zaruri).
Bill dekhte waqt OPD/IPD division se tum samajh sakte ho kaun se charges insurance ke scope me aate hain aur kaun se tumhe directly handle karne honge.