What is the Full Form of IPD?
Recently, when Sneha’s father had to be admitted to the hospital for abdominal pain surgery, Sneha was informed by the hospital about expenses incurred on room rent, doctor consultation, diagnostic tests, surgery costs, and more. All these and related medical services fall under the IPD (In-Patient Department). Fortunately, Sneha’s father had a health plan with IPD coverage, and the insurer covered the expenses.
Understanding medical terms like IPD is crucial. It ensures that you are aware of the hospital process during times of need and that you choose a health plan with coverage for IPD care.
What is the IPD Full Form in the Medical World?
IPD full form in medical world, stands for In-Patient Department. This department caters to patients admitted for treatment or surgery who require an overnight or longer stay. The IPD is equipped with several facilities that help doctors monitor patients, provide intensive medical care, perform surgery, and more.
The scope of services under the inpatient department can vary from diagnostic tests and minor treatment to traumatic surgeries and post-operative care.
Services Under IPD
- Medical treatment and surgeries
- Specialised care under the intensive care unit (ICU)
- Pre and post-operative care
- Diagnostic tests, nursing care, 24×7 monitoring
- Rehabilitation, recovery, medication.
How does IPD in a Hospital Work?
IPD in hospitals usually have the same procedure that you have to follow. From initial consultation to post-recovery care, there are multiple steps involved. Let’s take a detailed look at how IPD works in a hospital:
Admission to a Hospital
The patient is advised to be admitted to the hospital. It can either be a planned hospitalisation for a treatment or surgery, or an emergency hospitalisation.
Room Allotment and Other Formalities
After being referred to the IPD, the patient has to get a room based on preference and availability. Before the treatment starts, there are certain formalities that have to be performed, like registration, documentation, a consent form, a pre-authorisation form for health insurance benefits, etc.
Treatment Procedure
The patient undergoes the treatment and is kept under monitoring by the doctor.
Recovery and Discharge
Once the patient has recovered and is fit to go home, they are discharged from the IPD care.
Why is the IPD Important in the Medical World?
The inpatient department is an integral part of any hospital, providing medical treatment that requires hospitalisation and continuous monitoring. Here’s why IPD is important in the medical world:
Continuous Medical Care
The inpatient department is equipped with facilities that make continuous medical care accessible for patients. The department is beneficial for chronic diseases, emergency situations, planned treatments and a lot more.
Pre and Post Treatment Care
The IPD ensures that patients can get both pre- and postoperative care.
Emergency and Critical Care
The IPD plays a crucial role in handling medical emergencies and medical concerns where critical care is required. This can include emergencies such as heart attack, severe burns, accidental injuries, etc. The ICU also comes under the inpatient department.
Why Should You Look for IPD Cover in Health Insurance?
IPD cover in health insurance is crucial as it provides financial protection for hospitalisation expenses where hospital admission is for more than 24 hours.
Here are some reasons why you must not skip IPD cover in health insurance:
To Get Financial Protection
IPD care usually leads to high medical bills that become a financial burden in the absence of IPD cover. With this coverage, you can get financial protection for the room rent, doctor fees, medicines, surgery costs, ICU charges, etc.
To Access Top Quality Medical Services
Health insurance companies partner with reputed hospitals in the country, where you can avail of cashless claim settlement. This ensures that you have access to top-quality medical services for both planned and emergency hospitalisation.
Did you know that the General Insurance Council of India introduced the “Cashless Everywhere” facility under which you can now get cashless claim settlement at both network and non-network hospitals?
To Get Medical Help in Emergency Cases
The last thing you want during a medical emergency is to run from one hospital to another due to high upfront charges.IPD coverage under health insurance ensures that you can get medical assistance without such hassle.
To Enjoy Peace of Mind
When you have financial protection and medical coverage for IPD services, you can enjoy peace of mind. Not just this, with IPD coverage, you can focus on getting healthier rather than worrying about high medical bills.
Final Word
IPD is a hospital department responsible for the medical treatment and care of patients who require hospitalisation for more than 24 hours. This department manages both routine and emergency cases. The inpatient department is not only the foundation for the hospital but also a reliable health insurance plan.
Looking for a health policy that offers holistic coverage for all your medical needs? Jio Insurance Broking lets you explore and compare policies from reputed insurance companies in India. Here, you are empowered to make an informed decision while purchasing a health plan.
FAQs
Not always. IPD treatment expenses keep varying depending on the surgery or procedure, duration of hospitalisation, place of hospitalisation, etc. To easily mitigate the expenses of IPD treatment, you should look for a health insurance policy that offers extensive IPD coverage.
Yes, typically most health insurance policies offer IPD coverage in the base plan. If your health plan does not include IPD coverage in the base plan, you can always opt for the coverage through add-ons.
Yes, a health insurance policy can offer both cashless and reimbursement claim settlement for IPD treatments. Ensure to check your policy documents for details on the claim settlement process.
Yes, you can extend the sum assured limit under a health insurance policy for IPD treatment by opting for Top-Up or Super Top-Up plans. Make sure to check the eligibility with the respective insurance company.
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