What Are the Non-Medical Expenses in Health Insurance?


what are the non medical expenses in health insurance

You feel safe and secure when you have the right health insurance. It keeps you at bay from medical and financial catastrophe. You get courage when you know that you have a safety shield to fight with the ups and downs of life. With medical insurance, you can take a sigh of relief as it covers your medical expenditure and helps you to get the best healthcare for yourself and your family. However, do you know that health policy itself has a strict window for claims settlement directed by the IRDAI?  To curtail the misuse of health insurance, it has kept some expenses in the category called non-medical expenses in insurance. Thus, to have hassle-free claim settlement, it's worth tallying up given below non-medical expenses list as per IRDAI:

Optional Items

As per IRDAI's guidelines, certain optional items used during the treatment or hospitalization do not consider medical expenses. Let's understand together such non medical expeneses which are not covered under the coverage of health insurance: 

  • Baby Food
  • Beauty Services
  • Belts/Braces
  • Carry Bags
  • Food Charges (Other than the diet provided by the hospital)
  • Laundry Charges
  • Mineral Water
  • Attendant Charges
  • Nebulizer Kit
  • Thermometer

Non-Medical Expenses subsumed into Room Charge

Further, some items subsumed into room charges like:

  • Hand Wash
  • Caps
  • Comb
  • Foot Cover
  • Gown
  • Slippers
  • Tissue Paper
  • Tooth Paste/ Brush
  • Housekeeping Charges
  • Pulse oximeter Charges

Non-Medical Expenses subsumed into Procedure Charges

According to the non-medical expenses list as per IRDAI, some of the non-medical expenses subsumed into procedure charges such as:

  • Hair Removal Cream
  • Eye Pad
  • Surgical Blades, Harmoncscalpel, Shaver
  • Apron
  • Disposable Razors Charges
  • Eye Shield
  • Camera Cover
  • Gauze
  • Arthroscopy and Endoscopy Instruments
  • Surgical Drill
  • X-Ray Film
  • Cotton

Non-Medical Expenses subsumed into Costs of Treatment

During hospitalization, patient and medical staff use some items for medical procedures or treatment.  Expenses related to such things also come under the category of non-medical expenses. These expenses are also subsumed into costs of treatment, for example:

  • Admission/ Registration Charges
  • Urine Container
  • Blood Reservation Charges
  • Infusion Pump Cost
  • Hydrogen Peroxide/Spirit/Disinfectants
  • Nutrition Planning Charges/Dietician Charges
  • HIV Kit
  • Antiseptic Mouthwash
  • Mouth Paint
  • Vaccination Charges

Additional Non-Payable Items

You can also check the below list of some additional non-payable items:

  • Brush
  • Cozy Towel
  • Powder
  • Barber Charges
  • Bandages, Sterilize Injections, Needles, Syringes
  • Maintainance Charges
  • Washing Charges
  • Medicine Box
  • Digestion Gels
  • Paper Gloves
  • Referral Doctor's fees

These above are non-medical expenses in insurance incurred during hospitalization and treatment and have exorbitant costs. These are non-admissible expenses and do not include under the claim settlement. At times, people are not aware of such non-medical expenses, which they have to bear from their pockets. Therefore, it's always wise to read the fine prints of the health plan before you choose it. 

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*Note: The above list is for reference purposes. Please check the policy terms & conditions for the consolidated list.