The list given above is indicative and mentions only some common Non-Medical Expenses out of everything listed by IRDAI. However, as an aware and smart insurance buyer, you must know the exclusions and inclusions of your policy completely to avoid any surprises in the future, especially during the time of claims.
Although non-medical expenses are low and generally affordable, it is best to be aware of your probable share in the cost. Knowing the complete details about your insurance coverage, especially the inclusions and exclusions, would help you be better prepared for the future and avoid any unforeseen circumstances or financial losses.
Before raising a claim, it’s essential to understand what’s included and excluded to avoid surprises. Here’s how you can stay informed:
- Check Your Policy Document: Look for the list of exclusions.
- Ask Your Insurer: Contact customer support for clarity.
- Review the Hospital Bill: Identify non-payable charges like gloves, masks, and administrative fees.
Remember, before buying insurance, you must check out the list carefully and understand the terms and conditions thoroughly.