A List of the Various Non-Medical Expenses Covered by Health Insurance
In a world where healthcare prices are constantly on the rise, everyone seeks a health insurance plan that is comprehensive in nature. This means it should cover as many expenses as possible. By choosing such a policy, you can ensure that most of the expenses and costs of your treatment will be covered under the policy.
It is not necessary that all the expenses in your health insurance plan will be related to medicines, treatments, and procedures; health insurance plans also cover a number of non-medical expenses. These are meant to support you during your treatment and the recovery phase. They are equally essential during your stay at the hospital so that you can recover and heal comfortably and also receive all the necessary care when in the hospital.
Keeping this in mind, let us take a look at all the non-medical expenses in health insurance that are part of a comprehensive health insurance policy.
Items that are Part of the Cost of Treatment
| Sr. No | Particulars |
|
|
Admission/ Registration Charges |
|
|
Hospitalisation for Evaluation/ Diagnostic Purpose |
|
|
Urine Container |
|
|
Urine Bag |
|
|
Glucometer Strips |
|
|
Alcohol Swabs |
|
|
Scrub Solution/ Sterillium |
|
|
Vaccination Charges |
|
|
Mouth Paint |
|
|
Blood Reservation Charges and AnteNatal Booking Charges |
|
|
BIPAP Machine |
|
|
CPAP/CAPD Equipment |
|
|
Hydrogen Peroxide/ Spirit/ Disinfectants etc |
|
|
Infusion Pump |
|
|
Lozenges |
|
|
Antiseptic Mouthwash |
|
|
HIV Kit |
|
|
Nutrition Planning Charges – Dietician Charges – Diet Charges |
Items That are Part of the Procedure Charges
| Sr. No | Particulars |
|
|
Ortho Bundle, Gynaec Bundle |
|
|
Hair Removal Cream |
|
|
Tourniquet |
|
|
Disposables Razors Charges (for site preparations) |
|
|
Apron |
|
|
Eye Pad |
|
|
X-Ray Film |
|
|
Eye Drape |
|
|
Eye Kit |
|
|
Surgical Drill |
|
|
Surgical Blades, Harmonic Scalpel, Shaver |
|
|
Microscope Cover |
|
|
Ward and Theatre Booking Charges |
|
|
Arthroscopy & Endoscopy Instruments |
|
|
Gauze Soft |
|
|
DVD, CD Charges |
|
|
Camera Cover |
|
|
Eye Shield |
|
|
Cotton, Cotton Bandage |
|
|
Surgical Tape |
Items That are Part of Room Charges
| Sr. No | Particulars |
|
|
Pulseoxymeter Charges |
|
|
Patient Identification Band/ Name Tag |
|
|
Incidental Expenses/ Misc. Charges |
|
|
File Opening Charges |
|
|
Documentation Charges/ Administrative Expenses |
|
|
Diabetic Chart Charges |
|
|
Admission Kit |
|
|
Blanket/ Warmer Blanket, Clean Sheet |
|
|
Luxury Tax |
|
|
Im Iv Injection Charges |
|
|
Air Conditioner Charges |
|
|
House Keeping Charges |
|
|
HVAC |
|
|
Hand Wash |
|
|
Shoe Cover |
|
|
Discharge Procedure Charges |
|
|
Daily Chart Charges |
|
|
Entrance Pass/ Visitors Pass Charges |
|
|
Expenses related to prescription on discharge |
|
|
Baby Charges (Unless Specified/ Indicated) |
|
|
Caps, Comb |
|
|
Cradle Charges |
|
|
Eau-De-Cologne / Room Fresheners |
|
|
Foot Cover |
|
|
Gown, Slippers |
|
|
Flexi Mask, Face Mask |
|
|
Disinfectant Lotions |
|
|
Bed Pan |
|
|
Tooth Paste, Tooth Brush |
|
|
Tissue Paper |
|
|
Hand Holder |
|
|
Sputum Cup |
Items that are not covered under health insurance non-medical expenses.
| Sr. No | Particulars | Sr. No | Particulars |
|
|
Baby Food |
|
Baby Utility Charges |
|
|
Beauty Services |
|
Belt/Braces |
|
|
Food Charges (other than what is provided by the hospital) |
|
Buds |
|
|
Leggings |
|
Cold Pack/ Hot Pack |
|
|
Laundry Charges |
|
Carry Bags |
|
|
Mineral Water |
|
Email/ Internet Charges |
|
|
Sanitary Pad |
|
Eyelet Collar |
|
|
Telephone Charges |
|
Slings |
|
|
Guest Services |
|
Attendant Charges |
|
|
Crepe Bandage |
|
Extra diet of patient (Other than that which forms part of bed charge) |
|
|
Diaper of any type |
|
Birth Certificate, Certificate Charges |
|
|
Blood Grouping and Cross Matching of Donors Samples |
|
Medical Certificate, Medical Records |
|
|
Service charges where nursing charge are also charged |
|
Photocopies Charges |
|
|
Television Charges |
|
Knee Braces (Long/ Short/ Hinged) |
|
|
Surcharges, Courier Charges, Conveyance Charges |
|
Knee Immobilizer/Shoulder Immobilizer |
|
|
Mortuary Charges |
|
Vasofix Safety |
|
|
Walking aid Charges |
|
Ambulance |
|
|
Oxygen Cylinder (For usage outside the hospital) |
|
Urometer, Urine Jug |
|
|
Spacer |
|
Trolly Cover |
|
|
Spirometer |
|
Pan Can |
|
|
Nebulizer Kit |
|
Pelvic Traction Belt |
|
|
Steam Inhaler |
|
Oxygen Mask |
|
|
Arm Sling |
|
Ounce Glass |
|
|
Thermometer |
|
Mask, Gloves |
|
|
Cervical Collar |
|
Kidney Tray |
|
|
Splint |
|
Any kit with no details mentioned (Delivery kit, Orthokit, Recovery kit, etc.) |
|
|
Diabetic Foot Wear |
|
Nebulization Kit |
|
|
ECG Electrodes |
|
Sugar-Free Tablets |
|
|
Creams/Powders/Lotion (Toiletries are not payable, only prescribed medical pharmaceuticals payable) |
|
Private Nurses Charges – Special Nursing Charges |
|
|
Abdominal Binder |
|
Nimbus Bed or Water or Air Bed Charges |
|
|
Ambulance Equipment |
|
Lumbo Sacral Belt |
|
|
Ambulance Collar |
Conclusion
As you know, a good health insurance plan offers financial protection against unexpected medical expenses, ensuring access to quality healthcare without straining your finances. Such a policy must also clearly specify all the expenses that are not directly related to your treatment but support your hospitalisation. These can include some miscellaneous charges as well.
However, it is also important for you to understand what all expenses count as exclusions; hence, always compare health insurance before you buy an online medical policy from a reliable insurance provider like Tata AIG. This will enable you to arrange for such costs in advance so that you do not need to worry about them during or after your treatment.
