Are all overseas OPD expenses covered under travel insurance?

Can I claim treatment costs while abroad under travel insurance if it's not a hospitalization but treated in an OPD, including doctor consultations, X-rays and medicines?

- Abhishek Bondia

-Name withheld on request

Most travel insurance plans cover both hospitalisation and OPD medical expenses. Some have a separate, lower limit for OPD expenses but incurred costs toward diagnosis, consultation and medication are payable. Often, medical coverage is accompanied by deductibles. This is the initial threshold of expenses that is not paid under the plan. So, only OPD expenses incurred above the deductible will be reimbursed. Do note that only emergency medical expenses are covered under travel insurance. These include expenses for acute incidence of conditions such as high fever. So your claim would be admissible.