In-patient vs Out-patient: what's the difference? | Bupa UK (2024)

In-patient vs Out-patient: what's the difference? | Bupa UK (1)

What is the difference between in-patient cover and out-patient cover?

When you choose a health insurance policy you'll need to understand the difference between in-patient and out-patient treatment. In-patient covers you for procedures or treatments that need you to stay in hospital overnight. Out-patient covers you for procedures and treatments where you don't stay in overnight or occupy a bed for the day. This is the main difference.

It's important to understand these terms, as they can have an impact on your health insurance policy. This page gives you all of the information youneed to understand these common health insurance terms, and how they may affect your policy.

Just to make you aware, health insurance is generally designed to cover conditions that a develop after your policy has started.

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To find out more about our health insurance cover options or to get a quote call us on 0808 252 0055^

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What’s included in in-patient cover?

Inpatient treatment is any treatment that requires you to stay overnight in a hospital or clinic for at least one night.

Inpatient cover on your health insurance policy can cover a wide range of things, including:

  • diagnostic tests, such as blood tests during an admission for surgery
  • surgeon and anaesthetist fees for surgery, and physician fees for in-patient care
  • hospital fees for the treatment itself, including any medications you may require whilst an in-patient
  • your stay in hospital as an in-patient

What’s included in out-patient cover?

Out-patient cover is when you don’t need to be admitted to hospital, but you will still attend a hospital or clinic for treatment such as any diagnostic tests, MRI, CT and PET scans or therapies you may need.

Out-patient cover on your health insurance policy mainly covers:

  • minor diagnostic tests such as X-rays, blood tests and ultrasounds
  • therapy sessions such as physiotherapy
  • out-patient consultations
  • out-patient MRI, CT and PET scans

It is possible that you could be referred to a hospital or a clinic for in-patient treatment.

In-patient vs Out-patient: what's the difference? | Bupa UK (2)

In-patient and out-patient cover for cancer treatment

Where cancer cover is included in your policy

When you need support through cancer, we’re here for you. Our cancer care includes:

  • fast support through diagnosis, treatment and beyond, including mental health advice from our nurses
  • access to breakthrough drugs, often before they are approved by NICE and available on the NHS*
  • treatment options at home such as chemotherapy, if your consultant agrees it’s right for you

*Applies to eligible cancer drugs and treatment covered by your policy.

Is in-patient and out-patient cover included on Bupa policies?

Each of our policies include full in-patient cover for all eligible treatment as long as you use a facility from your chosen Bupa network and a Bupa recognised consultant who agrees to charge within Bupa limits (this is called a fee-assured consultant).

With our Comprehensive health insurance cover you’ll be able to choose an annual limit of £500, £1000 or unlimited out-patient cover. If you choose unlimited all of your out-patient fees will be fully covered, as long as you use a fee assured consultant in a network hospital. However your premium may increase as a result. As with in-patient treatment, we’ll only fund eligible treatment when you use Bupa-recognised facilities and consultants.

Sometimes out-patient cover may not be included on basic health insurance policies. If it is included there may be limits applied, meaning you’ll only be covered up to a chosen amount per year. Once you’ve reached your annual limit you’ll need to pay for any further out-patient treatment yourself or use the NHS. That’s why it’s worth checking your health insurance policy to see if out-patient cover is included and if any limits apply.

In-patient cover is included in most health insurance policies as standard, meaning you’ll be covered for any treatments you may need. You should check your health insurance cover to find out exactly what’s covered, and what isn’t.

Whether you need out-patient cover is entirely up to you. Think about what you’d like to get out of your health insurance cover – if out-patient cover is something that is important to you, add it on. Our health insurance is flexible and fits around your individual needs and lifestyle.

In-patient vs Out-patient: what's the difference? | Bupa UK (3)

Interested in private healthcare? We’ve got you covered.

With our family health insurance, if a member of your family gets poorly we’ll make sure they get all the help they need , fast – so you can get right back to being you.

We value families at Bupa, which is why you’ll pay 10% less on your health insurance when compared to buying individual policies for each member of your family.

Terms and conditions apply, see below for details.

Get a quote

Learn more

Everything you need to know about health insurance

Our useful guides are here to help you understand the fundamentals of health insurance. Not only that, but we also cover a number of key health topics – such as looking after yourself as a parent and taking care of your children’s health.

In-patient vs Out-patient: what's the difference? | Bupa UK (4)

Getting health insurance when you’re self-employed

If you’re self-employed you may be considering health insurance to give you peace of mind for your business.

Learn more

In-patient vs Out-patient: what's the difference? | Bupa UK (5)

Will I need an excess on my health insurance policy?

Health insurance policies often include an excess. This is fairly standard with most insurance policies, but it’s worth understanding the impact excess can have on your cover.

Learn more

In-patient vs Out-patient: what's the difference? | Bupa UK (6)

Do I need private health insurance?

If you’re considering private health insurance, you may be weighing up if you need it or not. We’ve broken down the benefits so you can see if suits your personal needs.

Learn more

In-patient vs Out-patient: what's the difference? | Bupa UK (7)

Private health insurance exclusions

Before you take out health insurance, it’s important that you have a thorough understanding of what is and isn’t covered.

Learn more

Get an online quote today


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For more information and to sign up for a free Egress account, go to https://switch.egress.com. You will not be charged for sending secure emails to a Bupa email address using the Egress service. You will not be charged for sending secure emails to a Bupa email address using the Egress service.

Terms and conditions
Families save 10% with Bupa:

10% saving applies to family cover which includes one adult or more and one or more children. The savings apply to family cover with children on their policy compared to the price of individual cover for each family member. Savings only apply to Bupa By You core insurance. We reserve the right to amend or withdraw our family rate at renewal.

Bupa health insurance is provided by Bupa Insurance Limited. Registered in England and Wales No. 3956433. Bupa Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Arranged and administered by Bupa Insurance Services Limited, which is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales No. 3829851. Registered office: 1 Angel Court, London, EC2R 7HJ.

In-patient vs Out-patient: what's the difference? | Bupa UK (2024)

FAQs

In-patient vs Out-patient: what's the difference? | Bupa UK? ›

In-patient covers you for procedures or treatments that need you to stay in hospital overnight. Out-patient covers you for procedures and treatments where you don't stay in overnight or occupy a bed for the day.

What is the difference between inpatient and outpatient in the UK? ›

The main difference between inpatient and outpatient treatment is in the way you attend for care. As an inpatient, you can expect to stay in the hospital overnight. Outpatient treatment is delivered in a series of appointments where you can go home in between.

What is difference between inpatient and outpatient? ›

An inpatient is a hospital patient who, in most cases, stays in the hospital overnight and meets a set of clinical criteria. Outpatients are people who receive care or hospital services and return home the same day.

What is an in or out patient? ›

The basic difference between inpatient and outpatient care is that inpatient care requires a hospital stay and outpatient care does not. As an inpatient, you receive medical treatment as well as food and lodging in a hospital.

What does outpatient mean in medical terms? ›

Listen to pronunciation. (OWT-pay-shunt) A patient who visits a health care facility for diagnosis or treatment without spending the night. Sometimes called a day patient.

What does outpatient mean in UK? ›

If you have an appointment in a hospital or clinic but do not need to stay overnight, it means you're being treated as an outpatient or a day patient. You may be having an appointment for treatment, diagnosis or a procedure.

What does inpatient mean in the UK? ›

If you have been referred to hospital for an operation or test and you need to stay overnight, it means you're being treated as an inpatient.

Why is outpatient care better than inpatient? ›

Outpatient care is usually any non-emergency surgery or medical procedure that does not require overnight hospitalization. Minor surgeries and procedures can be handled in an outpatient setting. Outpatient treatment is usually less expensive and less invasive than inpatient treatment.

Is ICU considered inpatient? ›

Whether a patient is an inpatient or receives observation services depends on the length of stay. Under the rule, patients in the intensive care unit can be classified as outpatients if their stay is less than two midnights,” Sheehy says.

What is an example of an inpatient setting? ›

Inpatient care is designed to treat conditions that require the patient to stay at least one night in a care-related facility. Several facility types fall under this category, including acute care facilities, rehabilitation centers, addiction treatment facilities, psychiatric hospitals, and long-term care facilities.

What is an in and out procedure? ›

Think of it as a drive-through hospital, where everything is an outpatient procedure.

What does out patient procedure means? ›

Outpatient surgery is when you have a surgical procedure done and then later that same day you go home. Outpatient surgery can also be called ​“same-day” surgery or ambulatory surgery. Inpatient surgery, on the other hand, is when you have surgery and are required to spend at least one night in the hospital.

What is the difference between in patient and out patient rehabilitation? ›

Inpatient and outpatient recovery are two different models that can help people get started. Inpatient rehab is a supportive environment where you can get 24/7 care as you detox. Outpatient rehab is a more flexible program you can attend part-time, often without missing work and other obligations.

What are the three types of outpatient? ›

Three types of outpatient care include primary care, ambulatory surgical care, and urgent care.
  • 1 Primary Care. I. ...
  • 2 Ambulatory Surgery Centers. ...
  • 3 Urgent Care.

What is outpatient examples? ›

Also called ambulatory care, this term defines any service or treatment that doesn't require hospitalization. An annual exam with your primary care physician is an example of outpatient care, but so are emergent cases where the patient leaves the emergency department the same day they arrive.

Who is considered an outpatient? ›

Outpatient care is defined as hospital or medical facility care that you receive without being admitted or for a stay of less than 24 hours (even if this stay occurs overnight). Outpatient care also includes any health care services that you receive while at the facility.

What is the difference between inpatient and outpatient in Australia? ›

You become an 'inpatient' when you are admitted to a hospital for treatment. You're an 'outpatient' if you receive medical services without being admitted into hospital, including specialist appointments, post-surgical follow-up consultations, prenatal visits, diagnostic imaging, pathology, or emergency triage.

How does an inpatient differ from an outpatient quizlet? ›

What is the difference between outpatient and inpatient treatment? Outpatient is ambulatory care where medical care is given without the patient being admitted to a hospital. Inpatient is acute care which where treatment is given when the patient is admitted to the hospital.

What is the difference between outpatient and inpatient treatment quizlet? ›

What is the difference between inpatient and outpatient services? Inpatient is a term used to indicate an overnight stay in a health care facility, such as a hospital. Outpatient refers to services provided while the patient is not lodged in a health care facility.

What do you mean by term in patient? ›

An in-patient is someone who stays in hospital while they receive their treatment. In-patient is also an adjective.

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