What Are the Non-Medical Expenses in Health Insurance?

• Written by Care Health Insurance

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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 items or expenses 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 non-payable items in health insurance subsumed into room charges are given below:

• 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 non-medical expenses in health insurance 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
• Maintenance 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. 

Care Health Insurance brings Care- the most comprehensive health plan that gives you maximum coverage at an affordable premium. It covers several medical expenses such as pre and post hospitalization expenses, daycare treatments, alternative treatments, ambulance charges, second opinion, organ donor charges, and many more. It helps you during a medical emergency and saves you from those financial jerks that you can get due to hefty hospital bills. So, get it today and leave all your health worries behind!

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