How to Include Non-medical Expenses in Health Insurance?

Are you worried about medical and non-medical expenses? Don't worry, this write-up includes all the mandatory information related to how you can include your non-medical expenses in health insurance and save your money.

Health insurance plays an essential role in seeking various kinds of services related to different health conditions. The right plan can offer you financial support, doesn't affect your savings, and offers the best healthcare services.

But do you know what your health insurance covers and what not? This is the most important thing that you must consider while buying a health insurance plan. Different plans and policies have different inclusions and exclusions, so you must keep a note of that.

Only the inclusions mentioned in your plan coverage are covered under that particular health insurance. At the same time, there are several other non-medical items in insurance for which you, as an insured, need to bear the cost.

How can you include non-medical expenses in health insurance?

Usually, it is difficult to include your non-medical expenses in the health insurance. Because there are several expenses that an insured patient might spend, this is the reason why the IRDAI has made guidelines for the same. Most health insurance plans do not cover procedural expenses, treatment-related exclusions, optional items, room charges, and other miscellaneous costs.

Under these categories, you might find that there is a long list of non-payable items in health insurance. In this list, you can note that the cost of towels, powder, thermometer, internet connection, endoscopy or arthroscopy instruments, caps, comb, hospital footwear, sanitiser, etc, are excluded from health insurance plans.

But if you want that your health insurance plan must cover maximum non-medical expenses, then here is what you should do.

Opt for consumables cover:

Have you heard about a health insurance plan that has additional coverage? Various insurance and health care company offers additional coverage to insurance seekers called Consumables Cover. This provides coverage for all consumables which are otherwise excluded from a health insurance claim.

If you seek an additional coverage plan, you can enjoy financial assistance even for the non-medical expenses in your health insurance. The term additional cover makes a lot of things clear, but it is important to note what your additional coverage can cover. Different additional covers offered by various insurance companies might have different coverage, so you must check that while buying your plan.

Things to keep in mind:

When you are buying health insurance with additional coverage, it is important to keep a few things in your mind. Below is a brief information regarding what you must consider.

1. Check the coverage of your health plan:

The first and most important thing while you buy health insurance is coverage. You must check what extra things are covered by your additional cover. It might happen that in the name of additional cover, the insurer might offer you only one or two extra things.

So, carefully check the inclusions of your additional cover and make sure to buy it only if those extra points make sense in your condition. The perks which your cover is offering regarding the health care services might or might not be useful for you specifically. It is advised to choose something suitable and needed for your health condition.

2. Adequate coverage for the price:

Usually, additional coverage health insurance plans might cost a little extra. It is worth paying the extra money if the additional cover deserves the same. So, you also need to be prepared to pay an extra premium cost to enjoy extra benefits from your health insurance.

If you wish to enhance your overall coverage without much increase in your premium, you can opt for a super top-up health insurance plan with consumables coverage. This would take care of your need for an increase in the total cover as well as provide coverage for the otherwise excluded non-medical expenses, i.e. consumables.

Conclusion

Everyone wants to seek the best health care solutions and for which they buy health insurance. If you want to include non-medical expenses in health insurance, then you must buy health insurance with additional coverage.

Are you thinking about where to buy additional coverage health insurance? You can buy it from LivLong, one of the best companies in India.