Can routine consultations and medicine expenses be claimed under my health insurance policy? —Name withheld on request Routine consultations and medical expenses are OPD (outpatient department) expenses, which are usually not covered under an indemnity health insurance policy.
Usually, a policy covers only hospitalization (in-patient department) expenses when active treatment is administered or a surgery is performed.
However, some health insurance products are available in the market that also cover OPD expenses. My son has been complaining of a hearing problem; the paediatrician has suggested getting it checked at a hospital.