When you have the right comprehensive health insurance, you feel safe and secure knowing that your family is financially protected knowing that your family will get the best healthcare facilities in case of medical emergencies. But, health insurance companies follow a strict claim process as directed by the Insurance Regulatory and Development Authority of India (IRDAI).
To prevent the misuse of health insurance, the IRDAI has excluded some medical expenses, known as non-medical expenses in health insurance. We've listed the non-medical expenses under health insurance in this below article also known as insurance policy's exclusions.
Health Insurance covers the medical expenses of planned and unplanned hospitalization. However, some medical expenses are excluded from the insurance coverage and these expenses are called non-medical expenses.
According to IRDAI guidelines, some optional medical items used during treatment or hospitalization are not considered medical expenses. Let us understand such non-medical items in insurance:
Below-mentioned is the list of non-medical expenses in the room charges during hospitalization.
Certain items are used by healthcare professionals to treat patients while they are hospitalized. The following are the non-medical costs incurred during treatment.
The items listed below are considered non-medical expenses in procedural costs.
Below-mentioned is the list of additional non-medical expenses in health insurance.
The above mentioned are the non-medical expenses incurred during hospitalization and treatment, and they are very expensive. These are non-admissible costs that aren't covered under any health insurance plan. Sometimes, people are unaware of such non-medical expenses that they have to bear these expenses on their own. As a result, it's always a good idea to read the terms and conditions of a health plan before choosing it.
When purchasing health insurance, it is a good idea to compare plans from different insurers to understand the exclusions and select the best health insurance plan. Also, read the fine print of the policy to make an informed buying choice.