List of Different Types of Non-Medical Expenses in Health Insurance

Health insurance has been designed to help you financially in case you face a medical emergency. It pays for a variety of medical expenses incurred while receiving treatment for a disease, illness or medical condition. However, it does not provide coverage for non-medical expenses incurred during hospitalization. Read on to know about the various non-medical expenses that are excluded under a health insurance policy.

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    What are Non-Medical Expenses in Health Insurance?

    Non-medical expenses are the expenses incurred on several items used during hospitalization that are not included in health insurance coverage. The Insurance Regulatory & Development Authority (IRDAI) of India has excluded the coverage of such expenses under health insurance to prevent its misuse.

    Therefore, your insurance company will not pay for your non-medical expenses during claim settlement and you will have to pay for them from your own pockets.

    List of Non-Medical Expenses in Health Insurance

    The IRDAI has categorized non-medical expenses based on hospitalization and the treatment taken. It has also listed some optional items that are also excluded from a health plan. Take a look at the different types of non-medical expenses as listed by IRDAI below:

    Non-Medical Expenses Under Treatment Costs:

    The cost of the following items used during the treatment is not covered:

    • Registration/admission charges
    • Disinfectant, spirit & hydrogen peroxide
    • Infusion pump charges
    • Nutritionists or dietician charges
    • Urine container
    • Diabetic footwear
    • Antiseptic mouthwash
    • Blood reservation cost
    • Vaccination cost
    • HIV kit

    Non-Medical Expenses Under Hospital Room Charges:

    The expenses related to the following items used during hospital room stay are not covered:

    • Gown
    • Hand wash
    • Pulse oximeter charges
    • Housekeeping charges
    • Tissue paper
    • Hot pack/ cold pack
    • Toothbrush & toothpaste
    • Comb, slippers & caps
    • Foot cover
    • Buds

    Non-Medical Expenses Under Procedure Costs:

    The cost of the following items used during a surgical procedure is not covered:

    • Surgical blades
    • Bandages & cotton
    • Disposable razors
    • Arthroscopy and Endoscopy instrument charges
    • Gauze blades
    • Harmon scalpel blades
    • Eye pad
    • Hair removal cream
    • Surgical drill
    • Apron

    Other Non-Payable Medical Expenses:

    The following non-medical expenses are not covered:

    • Needles, syringes & sterilized injections
    • Medicine box
    • Referral doctor’s fees
    • Digestion gels
    • Paper gloves
    • Washing charges
    • Barber charges

    Optional Items:

    The cost of the following optional items is also excluded:

    • Thermometer
    • Food (apart from hospital food)
    • Mineral water
    • Laundry/ attendant charges
    • Baby food
    • Nebulizer kit
    • Belts/braces
    • Carry bags
    • Beauty services

    Things to Remember About Non-Medical Expenses in Health Insurance

    Take a look at a few things that you must remember about non-medical expenses:

    • If you get hospitalized, any non-medical expenses will not be covered under your health insurance policy as per the guidelines of IRDAI.
    • The IRDAI listed non-medical expenses are standard and can also be found in your policy documents.
    • Make sure to check your policy document to know about the non-medical expenses excluded under your policy. This will help you to avoid any surprises during claim settlement.
    • Knowing about non-medical expenses under your policy will help you to curtail your out-of-pocket expenses. It will prevent you from spending a lot on items that are not covered by your policy and thus, your out-of-pocket expenditure will reduce.
    • Some health plans may cover non-medical expenses as an add-on cover. In such cases, you can buy this cover for an additional premium amount to eliminate any out-of-pocket expenses.

    Summing It Up

    Non-medical expenses are an inevitable part of every hospitalization. But unfortunately, you cannot claim these expenses under your health insurance policy. To reduce your out-of-pocket expenses and avoid any hassles, make sure to go through the list of non-medical expenses excluded in health insurance as per IRDAI.

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