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All you need to know about Inpatient Hospitalisation Vs Outpatient Hospitalisation
A medical emergency can happen or take place at any time, making it wise to have a health insurance policy in place, given the country's recent inflation of medical prices. With Niva Bupa, you can choose from a variety of insurance plans, including critical illness insurance, family floater plans, covid insurance plans, etc. In order to choose the best insurance plan for yourself and your family, you must better understand your needs.
You have the choice of getting medical care services in an outpatient clinic or an inpatient care facility when you visit a hospital for treatments, examinations, or medical procedures. But before you make a decision, it is important to know about both inpatient hospitalisation and outpatient hospitalisation in detail.
What is Inpatient Hospitalisation?
What is Outpatient Hospitalisation?
When a patient merely needs a consultation with a doctor or a few minor treatments, they are receiving outpatient care and do not need to be admitted to the hospital. This covers diagnostic procedures, medical advice, rehabilitation, etc. Typically, these operations are carried out in clinics, diagnostic facilities, etc. If you buy a health policy, you might not be covered for outpatient hospitalisation unless you select a specific add-on cover to do so. For instance, at Niva Bupa, you can enjoy the base benefit for three products: health premia, heartbeat and GoActive.
Outpatient hospitalisation is generally not covered by health policy until it is specifically stated in the policy's terms and conditions. Choose a health insurance plan that covers outpatient costs if you anticipate having several medical visits soon.
Types of Inpatient and Outpatient Treatments
Types of Inpatient Treatments
The different categories of inpatient care are listed below:
- Serious medical conditions: Patients with serious medical conditions require close monitoring and surveillance by medical personnel. Seizures brought on by brain injury, respiratory issues, and heart attack are a few serious health conditions.
- Complex procedures: From organ transplants for the heart or other essential organs to bypass surgeries, complex procedures call for prolonged monitoring under the supervision of medical professionals.
Types of Outpatient Treatment
The forms of medical treatment, examinations, and consultations needed by an outpatient care are listed below.
- Chest X-rays and CT scans: Diagnostic tests assist in determining the root of health problems such as irregular heartbeats, breathing difficulties, chest pain, etc.
- Blood testing: Blood tests are necessary to check for a variety of health conditions, such as salt, potassium, and other elements that aid in controlling bodily processes.
- Urinalysis: This sort of test is used to identify the root causes of diabetes, kidney discomfort, bladder infections, and other conditions.
- Chemotherapy sessions: Since these treatments don't necessitate a hospital stay overnight, they are necessary to cure diseases like cancer.
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AccidentCare provides cover for accidental death and also permanent total or partial disability, and other benefits
This plan offers full COVID-19 cover
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AccidentCare provides cover for accidental death and also permanent total or partial disability, and other benefits
This plan offers full COVID-19 cover
Inpatient Hospitalisation Vs Outpatient Hospitalisation
The major differences between inpatient and outpatient care are:
| Basis | Inpatient Hospitalisation | Outpatient Hospitalisation |
Meaning |
When a patient needs to stay in the hospital for more than 24 hours to receive treatment or undergo a procedure. |
When a patient doesn't need to be formally admitted to the hospital and when the treatments or consultations can be completed in an OPD department or centre. |
Type of Medical Care |
Long-term: complicated operations, traumatic wounds, accidents, serious illnesses, etc. |
Short-term: Routine procedures like annual blood tests, simple operations, screens for diseases, and other non-hospitalized therapies. |
Expense |
Expense is higher as compared to outpatient treatments. |
Expense is less in comparison to inpatient treatments. |
Treatment |
Specialists and a wider group of caregivers (doctors, surgeons, nurse practitioners, pharmacists, physical therapists, etc.) can provide more comprehensive treatment. |
General practitioners and specialists (physician assistants, physical therapists, etc.) |
Choose the Right Plan for Your Needs
When you are planning for a medical procedure or treatment in advance or when you are estimating medical costs for both forms of patient care, knowing the difference between inpatient and outpatient hospitalisation can help you choose the best sort of plan for you and your family. Choosing suitable medical insurance could be a difficult undertaking. However, Niva Bupa gives you the peace of mind that you will be able to access the best medicalinsurance features at reasonable premium costs. With text us, we guarantee that you won't have to strain your budget in order to enjoy the advantages of your selected insurance plan. Our insurance program's Covid-19 coverage will give you coverage for any costs associated with your Covid-19 treatment.
Frequently Asked Questions
How can I tell whether I require inpatient or outpatient care?
Which type of health insurance — outpatient or inpatient treatment — is the best choice?
What counts as an outpatient appointment?
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