May 1st, 2023
The pandemic has re-emphasised the importance of healthcare and individuals have started paying more attention toward understanding the various aspects of health insurance. While thinking about buying the policy, the obvious focus usually lies on the coverage benefits and related features. What one, however, misses out is - what expenses will get paid and what will be excluded at the time of claim.
There are many non-medical expenses associated with hospitalisation that are generally not covered by health insurance policies in India.
Non-payable expenses in Health Insurance policies
Some of the most common non-payable expenses that are not covered by traditional health insurance products in India include consumable items such as syringes, gloves, dressings, and bandages or even critical items like oxygen masks.
Moreover, some hospitals may charge the patients administrative fees like medical records or registration that are not covered by traditional health insurance policies. Then there are attendant charges where the cost of hiring one may not be covered in the health insurance policy.
There are around 68 items which may seem inexpensive but can make up a hefty amount in the overall hospital bill. Such items generally form 5 to 15% of the bill amount & in certain cases, especially during rise in covid cases, went up to 20 to 25% of the bill amount.
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