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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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.
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:
The cost of the following items used during the treatment is not covered:
The expenses related to the following items used during hospital room stay are not covered:
The cost of the following items used during a surgical procedure is not covered:
The following non-medical expenses are not covered:
The cost of the following optional items is also excluded:
Take a look at a few things that you must remember about non-medical expenses:
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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