Non-medical expenses in health insurance refer to the cost of items or services that are not directly related to medical treatment. These include room rent, registration charges, consultation fees and the cost of consumables like syringes, bandages, and gloves. The Insurance Regulatory Authority of India (IRDAI) has specified a list of non-medical expenses separated into 5 different categories.
Such non-medical expenses are usually not covered by a health insurance policy, and you need to pay for them out of your pocket. However, there are some health insurance policies that do offer coverage for a few non-medical expenses like room rent and consultation fees.