Non-Medical Expenses in Health Insurance as Per IRDA Guidelines

If you are shopping for the right health insurance, you want to be sure that it covers important treatments, if not all of them. Medical insurance mitigates financial losses, especially during unforeseen medical emergencies. But, medical insurance also follows a strict claim process as directed by the Insurance Regulatory and Development Authority of India (IRDAI).

The IRDAI has excluded some medical expenses, referred to as non-medical expenses in health insurance, to curb misuse of medical insurance. In this article, we have listed the non-medical expenses in medical insurance so that you are aware of the policy’s exclusions.

Health insurance offers financial coverage during planned and unplanned hospitalisation. However, there are several items charged during your hospitalisation which are excluded from the insurance coverage. The cost of these excluded items is known as a non-medical expense.

The exclusions are followed across the health insurance industry. The IRDAI has specified the list of non-medical expenses and is listed on the insurer’s website. To be a smart health insurance buyer, you must know of the inclusions and exclusions of the policy to avoid any surprises in the future, especially during unforeseen hospitalisation.

Read the terms and conditions and understand what is not covered in health insurance so that you can avoid unforeseen surprises and financial losses.

Also, read: Insurance for Bike

Understanding the non-medical expenses in health insurance is not a cumbersome task. Insurers such as ACKO provide buyers with access to vast amounts of information via secure websites. This information can enable you to select the right health insurance plan. 

While non-medical expenses are to be paid out-of-pocket, the cost of these items is generally lower. You must read the inclusions and exclusions of a health insurance plan before finalising the right plan for you and your family.