Standard Items not payable in Health Insurance Claim



Health
Insurance
S.No Item Payable/Non Payable
Hair removing cream charges Not Payable
Baby Charges (unless specified/indicated) Not Payable
Baby Food Not Payable
Baby Utilites Charges Not Payable
Baby Set Not Payable
Baby Bottles Not Payable
Bottle Not Payable
Brush Not Payable
Cosy Towel Not Payable
Hand Wash Not Payable
Moisturiser Paste Brush Not Payable
Powder Not Payable
Razor Not Payable
Towel Not Payable
Shoe Cover Not Payable
Beauty Services Not Payable
Belts/ Braces Payable for 1 (Qty) only in surgical cases of
Thoracic or Lumbar Spine
Buds Not Payable
Barber Charges Not Payable
Caps Not Payable
Cold Pack/hot Pack Not Payable
Carry Bags Not Payable
Cradle Charges
Comb
Disposable Razor Charges ( For Site Preparations)
Eau-De-Cologne / Room Freshners
Eye Pad
Eye Sheild
Email / Internet Charges
Food Charges (other than Patient’s Diet Provided by
Hospital)
Foot Cover
Gown
Leggings
Laundry Charges
Mineral Water
Oil Charges
Sanitary Pad
Slippers
Telephone Charges
Tissue Paper
Tooth Paste
Tooth Brush
Guest Services
Bed Pan
Only sterile gown is payable in surgical cases
Payable in cases of varicose veins.

Leggings used
for DVT prophylaxis is not payable.
Bed Under Pad Charges
Camera Cover
Care Free
Cliniplast
Crepe Bandage
Curapore
Diaper Of Any Type
DVD, CD Charges
Eyelet Collar
Face Mask
Flexi Mask
Gause Soft
Gauze
Hand Holder
Hansaplast/ Adhesive Bandages
Lactogen/ Infant Food
Slings
Weight Control Programs/Supplies/Services
Cost Of Spectacles/Contact Lenses/Hearing Aids Etc,
Dental Treatment Expenses That Do Not Require
Hospitalization
Hormone Replacement Therapy
Home Visit Charges
Payable for 1 (Qty) only for Fracture of upper
arm cases
Infertility/ Subfertility/ Assisted Conception
Procedure
Obesity (including Morbid Obesity) Treatment
Psychiatric & Psychosomatic Disorders
Corrective Surgery For Refractive Error
Treatment Of Sexually Transmitted Diseases
Donor Screening Charges
Admission/registration Charges
Hospitalisation For Evaluation/ Diagnostic Purpose
Expenses For Investigation/ Treatment Irrelevant To
The Disease
Any Expenses When The Patient Is Diagnosed With
Retro Virus /AIDS
Stem Cell Implantation/ Surgery
Ward And Theatre Booking Charges
Arthroscopy & Endoscopy Instruments
Microscope Cover
Surgical Blades,harmonic Scalpel,shaver
Surgical Drill
Eye Kit
Eye Drape
X-Ray Film
Sputum Cup
Boyles Apparatus Charges
Dental Charged By The Hospital Payable.
Purchase of Instruments. Not Payable

Blood Grouping And Cross Matching Of Donors
Samples
Savlon
Band Aids, Bandages, Sterile Injections, Needles,
Syringes
Cotton
Cotton Bandage
Micropore/ Surgical Tape
Blade
Apron
Orthobundle, Gynaec Bundle
Urine Container
Torniquet
Elements of Room Charge

Luxury Tax
HVAC
House Keeping Charges
Service Charges Where Nursing Charge Also
Charged
Television & Air Conditioner Charges
Surcharges
Attendant Charges
IM/ IV Injection Charges
Clean Sheet
Extra Diet of Patient(other than that which Forms
Part of Bed Charge)
Part of Cost of Blood, Not Payable
Not Payable -Part of Hospital Services/Disposable
Linen to Be Part of OT/ ICU Charges

Blanket/warmer Blanket
Admission Kit
Birth Certificate
Blood Reservation Charges And Ante Natal Booking
Charges
Certificate Charges
Courier Charges
Convenyance Charges
Diabetic Chart Charges
Documentation Charges / Administrative Expenses
Discharge Procedure Charges
Daily Chart Charges
Entrance Pass / Visitors Pass Charges
Expenses Related To Prescription On Discharge
File Opening Charges
Incidental Expenses / Misc. Charges (not Explained)
Medical Certificate
Maintainance Charges
Medical Records
Preparation Charges
Photocopies Charges
Patient Identification Band / Name Tag
Washing Charges

Medicine Box
Mortuary Charges
Medico Legal Case Charges (MLC Charges)
Walking Aids Charges
Bipap Machine
Commode
CPAP/ CPAD Equipments
Infusion Pump – Cost
Oxygen Cylinder (for Usage Outside The Hospital)
Pulseoxymeter Charges
Spacer
Spirometer
Spo2 Probe
Nebulizer Kit
Steam Inhaler
Armsling
Thermometer
External Durable Devices
Cervical Collar
Splint
Diabetic Foot Wear
Knee Braces ( Long/ Short/ Hinged)

Knee Immobilizer/shoulder Immobilizer
Lumbo Sacral Belt
Nimbus Bed Or Water Or Air Bed Charges
Ambulance Collar
Ambulance Equipment
Microsheild
Abdominal Binder
Betadine \ Hydrogen Peroxide\spirit\dettol\Savlon\
Disinfectants Etc
Private Nurses Charges- Special Nursing Charges
Nutrition Planning Charges – Dietician Charges-
Diet Charges
Alex Sugar Free
Cream Powder Lotion
Digene Gel/ Antacid Gel
ECG Electrodes
Gloves
HIV Kit
Listerine/ Antiseptic Mouthwash
Lozenges
Mouth Paint
Nebulisation Kit
Not Payable
Payable for 1 (Qty) only for Fracture/Surgery Of
Lumbar Spine.
Payable only if allowed in policy. Else not payable

Payable for 1 (Qty) only for Post Surgery Patients
of Major Abdominal Surgery Including TAH, LSCS,
Incisional Hernia Repair, Exploratory Laparotomy
for Intestinal Obstruction, Liver Transplant Etc.
Payable When Prescribed For Patient (on IP basis),
Not Payable For Hospital use In OT or Ward Or For
Dressings in Hospital

Sterilized Gloves Payable/ Unsterilized Gloves
Not Payable

Neosprin
Novarapid
Volini Gel/Analgesic Gel
Zytee Gel
Vaccination Charges
Alcohol Swabes
Scrub Solution/sterillium
Vaccine Charges For Baby
Aesthetic Treatment / Surgery
TPA Charges
Visco Belt Charges
Any Kit With No Details Mentioned (Delivery Kit
Orthokit, Recovery Kit),
Examination Gloves
Kidney Tray
Mask
Ounce Glass
Outstation Consultant’s/ Surgeon’s Fees
Oxygen Mask
Paper Gloves
Pelvic Traction Belt
Referal Doctor’s Fees
Accu Check (Glucometery/Strips)

Pan Can
Sofnet
Trolly Cover
Urometer, Urine Jug
Ambulance
Urine Bag
Softovac powder
Stockings
Artificial Limb Charges
Baby care
Cashles procedure charge
CMO charge
Credit Bill
Duplicate report charges
File Charge
Junior doctor assisstant charge
Lab visit attendant charge
Adult romson clipper blade
Medical supervision
Special procedure charges
Waiting charges
Abduction wedge charges

Alpha bed
Baby bath
Baby powder
Bandage
Bentex
Big tags
Bio medical charges
Blood bank deposit
BMW charges
Book charges
Canula Fixator charges
Cardiac monitoring charges
Casette charge
CD box
Chalan bill
Collection material
Cologne
Colostomy kit
Comode chair
Credit card charge
Crutch
Dark glass
Disco fix charges
Disposable garments
Disposable glass
Donation
Draw sheet
Dressing tray
Dvd Charges
Dynaplast
Easy fix charges
EPBX charge
Escorting charges
Excess visit charges
Extension brace
Extension tube
External appliances charges not payable
Fax charges
Flame grip
Fluid Administration charges
Fumigation charge
Heater charge
Hot water charges
Inhaler

IV maintenance
Lancet
Pre auth letter charges
Pre-op room charges
Refrigeration charges
Room freshener
Room holding charges
Sealed pouches
Sitz bath
Solid waste management
Stockinet
Three ways
Vacutainner
VAT charges
Ward common charges
Waste disposal charges

Many of above charges are covered under certain conditions like

To Be Claimed By Patient Under Post Hospitalization
Where Admissible

Part of Room Charges

Part of Laundry/housekeeping, Not Payable
Separately

Not Payable-payable By The Patient When
Prescribed, Otherwise Included As Dressing Charges

Payable Under OT Charges, Not Separately

Rental Charged By The Hospital Payable.
Purchase of Instruments. Not Payable

Payable only if allowed in policy. Else not payable

Payable for 1 (Qty) only in surgical cases of
Thoracic or Lumbar Spin

SO ALWAYS REFER YOUR POLICY TERMS AND CONDITIONS PROPERLY TO VERIFY THIS LIST, THIS LIST IS FOR EDUCATIONAL PURPOSE ONLY.