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

Health insurance is designed to help you financially during a medical emergency. It pays for your medical expenses incurred on the treatment of a disease or medical condition. However, it does cover non-medical expenses incurred during hospitalization. Know about the various non-medical expenses that are excluded under a health insurance policy.

Read More

Policybazaar exclusive benefits
  • 30 minutes claim support*
  • 50,000 claims approved in last 15 months*
  • Schedule home visit with our advisors
  • Get a plan based on your medical needs

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

*Tax benefit is subject to changes in tax laws. Standard T&C Apply

All health plans cover Covid-19 treatment
  • 1
  • 2
  • 3
  • 4

Who would you like to insure?

  • Previous step
    By clicking on “CONTINUE”, you agree to our Privacy Policy and Terms of use
    Previous step

      Popular Cities

      Previous step
      Previous step

      Do you have an existing illness or medical history?

      This helps us find plans that cover your condition and avoid claim rejection

      Get updates on WhatsApp

      What is your existing illness?

      Select all that apply

      Previous step

      When did you recover from Covid-19?

      Some plans are available only after a certain time

      Previous step
      Advantages of
      entering a valid number
      You save time, money and effort,
      Our experts will help you choose the right plan in less than 20 minutes & save you upto 80% on your premium

      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.

      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

      Health insurance articles

      Recent Articles
      Popular Articles
      Does Health Insurance Premium Change on Renewal?

      06 Dec 2022

      After the pandemic, the demand for good health plans has
      Read more
      Best Health Insurance Plans

      05 Dec 2022

      Finding the best health insurance plan from so many different
      Read more
      Sum Insured in Health Insurance: Meaning & Importance

      11 Nov 2022

      People who are new to the world of insurance may not understand
      Read more
      How to File a Reimbursement Claim Under Health Insurance?

      03 Nov 2022

      The biggest reason for buying health insurance is to get financial
      Read more
      Monkeypox: Dos and Don’ts of the Disease That You Should Know

      15 Sep 2022

      Monkeypox has slowly and steadily spread to more than 85 countries
      Read more
      PMJAY Scheme: Ayushman Bharat Yojana Eligibility & Registration Online
      Prime Minister Shri Narendra Modi announced the launch of (PMJAY) Ayushman Bharat Yojana in his Independence
      Read more
      Best Health Insurance Plans
      Finding the best health insurance plan from so many different health insurance companies can get confusing for many
      Read more
      Best Maternity Insurance Plans
      Maternity insurance offers comprehensive coverage for medical expenses incurred during pregnancy, including the cost
      Read more
      10 Major Benefits of Ayushman Bharat Yojana
      Pradhan Mantri Jan Arogya Yojana (PM-JAY) is the second component under Ayushman Bharat Scheme. PM Narendra Modi
      Read more
      How to Apply for Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY)?
      Ayushman Bharat Yojana is a flagship health insurance scheme launched by the Government of India to offer universal
      Read more

      Download the Policybazaar app
      to manage all your insurance needs.