Buy Health Insurance, Up to 20% Discount
9000+
Cashless Hospitals
99% Claim
Settlement Ratio
4.5 Lacs+
Claims Settled
I agree to the Terms & Conditions
Get Exclusive Porting Benefits
Check Prices
Buy Health Insurance, Up to 20% Discount
Port Existing Policy
9000+
Cashless Hospitals
99% Claim
Settlement Ratio
4.5 Lacs+
Claims Settled
List of Non-Medical Expenses in Health Insurance
Health Insurance is designed to act as the seat belt during health turbulence. It protects your finances in case of such an emergency by providing coverage for medical expenses. However, certain expenses are not covered by health insurance and need to be paid out of pocket. These are known as Non-Medical Expenses.
Health insurance protects us from skyrocketing medical costs, but it must also ensure that it’s not misused. These non-medical expenses curb the misuse of health insurance.
This article discusses non-medical expenses and their complete list so you know your insurance coverage and exclusions.
Table of Contents
What are Non-Medical Expenses in Health Insurance?
Health Insurance provides you coverage for medical expenses. To maintain its sanctity and prevent misuse, IRDAI has allowed the exclusion of certain expenses under health insurance.Â
These are mostly optional items utilised during the treatment or hospital stay and are not considered medical expenses when settling insurance claims. These expenses are known as non-medical expenses and are not covered by your insurance provider.
List of Non-Medical Expenses in Health Insurance
The non-medical expenses are categorised based on the treatment, usage and hospitalisation. As per IRDAI (Insurance Regulatory and Development Authority of India), there are a total of 199 items that can be classified into different groups:Â
Below is the list of non-medical expenses in health insurance, as listed below:
How to Check Non-Medical Expenses Before Filing a Claim?
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.
Â
Remember, before buying insurance, you must check out the list carefully and understand the terms and conditions thoroughly.Â
Important Things to Remember About Non-Medical Expenses in Health Insurance
Here are some points to keep in mind regarding non-medical expenses in mediclaim insurance:
Do Policyholders Have to Pay for Non-Medical Expenses?
According to the IRDAI's standards, these expenses are not covered by any standard health insurance plan. However, many insurers provide rider/add-on coverage to help policyholders manage the expenses of the majority of these consumables.
You can choose the consumables benefit cover in health insurance and review the available add-on coverage while purchasing health insurance online. You can avoid the inconvenience of paying for treatment-related consumables by paying a little extra premium.
Always remember to review the add-ons inclusions and exclusions.
How to Cover Non-Medical Expenses in Health Insurance Claims?
Yes, there is a way to cover the cost of non-medical costs in health claims. While health insurance covers hospitalisation costs, certain non-medical expenses like gloves, syringes, administrative charges, and consumables may not be included.
But don’t worry, 🙂 here’s how you can plan smart and manage these costs:
- Opt for a Riders/Add-on Cover: Some insurers offer add-ons or riders in health insurance to cover the cost of consumables.
- Check Employer Health Benefits: Some corporate policies cover non-medical expenses in their standard policy by increasing the premium. Look out for such policies.
- Maintain a Health Fund: Keeping emergency savings can help with uncovered costs.