A. Out-patient department (OPD) treatments are those that are carried out without requiring hospitalisation. A general check-up with the family physician or consultation with a doctor would typically take place in an OPD of a hospital. Medicines, tests and other diagnostics also typically fall under the OPD category. Most insurance policies do not cover OPD expenses unless it can be clearly linked to an in-patient department treatment that you have had. However, this trend is changing and insurers are introducing products with OPD benefits. These are still in the nascent stage, but OPD benefits are expected to increase considerably over the years.