| List of Generally excluded in Hospitalisation Policy |
| SNO |
List of Expenses Generally Excluded ("Non-Medical")in Hospital IndemnityPolicy - |
SUGGESTIONS |
| TOILETRIES/ COSMETICS/ PERSONAL COMFORT OR CONVENIENCE ITEMS |
| 28 |
FOOD CHARGES (OTHER THAN PATIENT'S DIET PROVIDED BY HOSPITAL) |
Not Payable |
| 29 |
FOOT COVER |
Not Payable |
| 30 |
GOWN |
Not Payable |
| 31 |
LEGGINGS |
Essential in bariatric and varicose vein surgery and should be considered for these conditions where surgery itself is payable. |
| 32 |
LAUNDRY CHARGES |
Not Payable |
| 33 |
MINERAL WATER |
Not Payable |
| 34 |
OIL CHARGES |
Not Payable |
| 35 |
SANITARY PAD |
Not Payable |
| 36 |
SLIPPERS |
Not Payable |
| 37 |
TELEPHONE CHARGES |
Not Payable |
| 38 |
TISSUE PAPER |
Not Payable |
| 39 |
TOOTH PASTE |
Not Payable |
| 40 |
TOOTH BRUSH |
Not Payable |
| 41 |
GUEST SERVICES |
Not Payable |
| 42 |
BED PAN |
Not Payable |
| 43 |
BED UNDER PAD CHARGES |
Not Payable |
| 44 |
CAMERA COVER |
Not Payable |
| 45 |
CLINIPLAST |
Not Payable |
| 46 |
CREPE BANDAGE |
Not Payable/ Payable by the patient |
| 47 |
CURAPORE |
Not Payable |
| 48 |
DIAPER OF ANY TYPE |
Not Payable |
| 49 |
DVD, CD CHARGES |
Not Payable (However if CD is specifically sought by Insurer/ TPA then payable) |
| 50 |
EYELET COLLAR |
Not Payable |
| 51 |
FACE MASK |
Not Payable |
| 52 |
FLEXI MASK |
Not Payable |
| 53 |
GAUSE SOFT |
Not Payable |
| 54 |
GAUZE |
Not Payable |
| 55 |
HAND HOLDER |
Not Payable |
| 56 |
HANSAPLAST/ ADHESIVE BANDAGES |
Not Payable |
| 57 |
INFANT FOOD |
Not Payable |
| 58 |
SLINGS |
Reasonable costs for one sling in case of upper arm fractures should be considered |
| ITEMS SPECIFICALLY EXCLUDED IN THE POLICIES |
| 59 |
WEIGHT CONTROL PROGRAMS/ SUPPLIES/ SERVICES |
Exclusion in policy unless otherwise specified |
| 60 |
COST OF SPECTACLES/ CONTACT LENSES/ HEARING AIDS ETC., |
Exclusion in policy unless otherwise specified |
| 61 |
DENTAL TREATMENT EXPENSES THAT DO NOT REQUIRE HOSPITALISATION |
Exclusion in policy unless otherwise specified |
| 62 |
HORMONE REPLACEMENT THERAPY |
Exclusion in policy unless otherwise specified |
| 63 |
HOME VISIT CHARGES |
Exclusion in policy unless otherwise specified |
| 64 |
INFERTILITY/ SUBFERTILITY/ ASSISTED CONCEPTION PROCEDURE |
Exclusion in policy unless otherwise specified |
| 65 |
OBESITY (INCLUDING MORBID OBESITY) TREATMENT IF EXCLUDED IN POLICY |
Exclusion in policy unless otherwise specified |
| 66 |
PSYCHIATRIC & PSYCHOSOMATIC DISORDERS |
Exclusion in policy unless otherwise specified |
