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What are Non-Medical Expenses in Health Insurance & How to Check?

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.

Team Digit

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. These are mostly optional items utilized 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), the most common Non-Medical Expenses in Health Insurance are as listed below:

List 1- Optional Items

This list contains all the optional items that are not covered under the policy:

Food (other than the patient’s dietone provided by the hospital)
Mineral Water
Laundry /attendant charges
Thermometer
Beauty Services
Nebuliser kit
Belts/Braces
Carry Bags
Any other item mentioned in the health product

List 2 - Non-Medical Expenses in the Room Charges

Below items are to be subsumed into the room charges:

Handwash
Tissue paper
Toiletries like toothpaste, toothbrush soap, etc.
Gown
Comb, Caps, Slippers
Pulse Oximeter Charges
Cold/ Hot Pack
Housekeeping Charges

List 3 - Non-Medical Expenses in Procedure Cost

The below items are to be subsumed into the procedure cost:

Cotton, Bandages
Apron
Disposable Razors
Hair Removal Cream
Gauze Blades
Eye Pad
Surgical Blades

List 4 - Non-Medical Expenses in Treatment Cost

The below items under procedural costs are considered non-medical expenses:are to be subsumed into the treatment cost:

Registration or Admission Charges
Spirit, disinfectant, hydrogen peroxide
Urine Container
Nutritionist or Dietician Charges
Antiseptic Mouthwash
Infusion Pump Charges
Vaccination Cost

List 5- Additional Non-Payable Items

Some additional expenses that are classified as Non-Medical Expenses and are non-payable under health insurance are:

Barber Charges
Syringes
Medicine Box
Digestion Gels
Paper Gloves
Referral Doctor’s Fees

How to know more about Non-Medical Expenses Before Raising a Claim?

The list given above is indicative and mentions only some common Non-Medical Expenses. 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.

Check Out: Cashless Claim

IRDAI has specified the list of Non-Medical Expenses that are listed on the insurer’s website. So before buying insurance, you must check out the list carefully and understand the terms and conditions thoroughly.

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.

Check out the complete list of Non-Medical Expenses.

FAQs about Non-Medical Expenses in Health Insurance

All

What are Non-Reimbursable Medical Expenses? Are these the same as Non-Medical Expenses?

Yes. Non-Reimbursable Medical Expenses are the same as Non-Medical Expenses. These are the medical expenses that are not covered by health insurance plans.

Are pre and post-hospitalisation expenses considered as Non-Medical Expenses?

Pre and Post Hospitalisation expenses are not considered Non-Medical Expenses and are generally covered by the insurance provider. However, you must always refer to your policy document for the complete details on exclusions.

Can I cover Non-Medical Expenses in my health policy?

Some insurers provide the option of an Add-on for Non-Medical Expenses wherein you can purchase an Add-On Cover for an additional premium and cover the Non-Medical Expenses.

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Disclaimer #1: *Customer can choose options at the time of availing insurance. Premium amount may vary accordingly. Insured is required to disclose any pre-existing condition or on going treatment before policy issuance in the proposal form.

Disclaimer #2: This information is added only for informative purposes and collected from different sources across the Internet. Digit Insurance is not promoting or recommending anything here. Please verify the information before making any decisions.

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CIN: U66010PN2016PLC167410, IRDAI Reg. No. 158.

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