Is a health check-up required at the time of renewal?

Usually, no medical check-up is required unless there has been a considerable change in health status.

Can I upgrade the coverage amount during renewal?

Yes, you may be able to upgrade the rider's sum insured during renewal, depending on underwriting guidelines.

Is there a grace period for Non-Medical Expense Rider renewal?

Yes, a standard grace period is provided during which you can renew the rider without losing coverage benefits.

Health Insurance

Non Medical Expense Rider

Name: Non-Medical Expenses in Health Insurance
Brand: Bajaj General Insurance
Rating: 4.75 (3912 reviews)

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Key Features

Cover the Unexpected: Your Safety Net for Non-Medical Costs

Coverage Highlights

Get comprehensive coverage for your health

Non-Medical Cover

Benefit from consumable coverage (up to SI limit) that covers the cost of items like gloves, syringes, and bandages used during treatment

Extra Benefit Rider

This rider is designed to offer comprehensive coverage, ensuring you and your family are financially protected against unforeseen health-related expenses.

Note

Please read policy wording for detailed terms and conditions

Inclusions

What’s covered?

Non Medical Expense Cover

Cost for Reasonable and Customary Non-Medical Expenses specified in Annexure I

Various Sum Insured Options

This Rider can be availed with Sum Insured options of INR 5,00,000/- and above

Note

Please read policy wording for detailed terms and conditions

Exclusions

What’s not covered?

Pre & Post Hospitalization

Non- Medical Expenses incurred during Pre-Hospitalization & Post Hospitalization would not be payable under this Rider

General Exclusions to Base Policy

All exclusions applicable in opted Base Policy shall be applicable to this Rider.

Note

Please read policy wording for detailed exclusions

What is a Non-Medical Expenses Cover?

The non-medical expenses rider in health insurance plans refers to expenses for certain items excluded under the base policy that may be incurred during a person's hospitalisation. If the claim is admissible under the base policy, the specified non-medical expenses related to the particular claim will be payable up to the cover limit of the add-on.

The national non-medical expenses add-on can be attached to a base health insurance policy. A few examples of non-medical expenses are items used for personal use, which are not essential for a medical treatment, such as toiletries and personal accessories. Consumables and other miscellaneous items.

Quick Overview

1
Expense Coverage: : This add-on covers eligible non-medical hospitalisation expenses excluded under the base health insurance policy, subject to rider limits.
2
Cost Reduction: : An add-on reduces out-of-pocket expenses by covering the specified consumables, hospital supplies and other kinds of non-medical costs incurred.
3
Add-On Availability: : A No-Expense medical rider is available as an add-on with a Bajaj General health insurance policy, and not as a standalone.
4
Enhanced Protection: : You can get broader financial protection by complementing the existing health insurance with an additional eligible hospitalisation expense coverage.
5
Cashless Support: : This add-on supports a smoother cashless claim settlement by covering specified non-payable hospitalisation expenses under rider benefits.
6
Affordable Premium:: You can get affordable additional coverage through a nominal premium, enhancing overall health insurance value and financial security.
7
Claim Processing: : Claims are processed together with the base health insurance claim for a convenient and streamlined settlement process.
8
Inpatient Coverage: : The eligible expenses incurred during inpatient hospitalisation are only covered with the add-on.

Key Benefits of Non-Expense Health Rider

Wondering what the benefits of a non-medical expenses rider in health insurance are. Well, here are a few of the ones which you should know about:

Non-Medical Cost Coverage

This add-on covers expenses such as masks, PPE kits, syringes, admission kits, and other consumables, which are usually excluded from standard health insurance policies.

Reduces Out-Of-Pocket Expenses

Having this add-on minimises a financial burden on the policyholders by providing coverage for non-medical hospitalisation costs. This helps families manage treatment without depleting their personal savings.

Enhances Overall Health Coverage

For instance, having this add-on expands the scope of a standard health insurance by including extra hospitalisation coverage. This ensures comprehensive financial protection during any medical emergencies.

Provides Financial Backup

You get peace of mind by getting financial protection against any non-medical expenses. This allows you to focus on recovery rather than the costs of medical treatment.

Supports Cashless Hospitalisation

A Non-Expense add-on helps to reduce the amount payable during cashless claims by covering all non-eligible costs under the base health cover. It makes the settlement process more convenient.

Affordable Nature

The Non-Expense medical add-on is available as an additional premium and provides extra coverage at a very low cost. This makes health insurance more comprehensive and cost-effective in nature.

Why Should You Choose Bajaj General Non-Expense Health Rider?

Here are a few benefits that you get upon choosing a Non-Medical Expenses rider from us:

1. Enhances Standard Health Policy

These policies complement eligible Bajaj General health insurance plans by extending the financial protection for specified non-medical hospitalisation expenses. This helps you build a more comprehensive plan.
2. Provides Financial Support

Hospitalisation also includes expenses which are not covered under a standard policy. This rider helps to cover eligible non-medical costs and reduces the financial impact of treatment.
3. Add-Ons Convenience

Rather than purchasing additional standalone coverage, you can strengthen your eligible Bajaj General Insurance policy by adding non-medical expenses insurance for broader financial protection.
4. Reduces Unexpected Bills

The eligible non-medical expenses can increase the overall cost of hospitalisation. However, getting a non-expense medical rider minimises out-of-pocket spending and makes it easier to manage finances.
5. Broadens Coverage

By adding the Non-Expense health rider, you get an affordable option to enhance your pre-existing health policy without greatly increasing insurance costs.
6. Provides Financial Protection

The Non-Medical Expense rider offers an additional layer of protection against any eligible non-medical hospitalisation expenses. This helps you prepare for any unforeseen healthcare costs with greater confidence.
7. Backed by Bajaj General Insurance

Choosing this rider means you are benefiting from our services. Our team allows you to manage your health coverage under a trusted insurance provider.
8. Supports Comprehensive Protection

By combining your eligible Bajaj General health insurance policy with the Non-Expense health rider, you can create a complete financial safety net for all your hospitalisation-related expenses.

What’s Covered in a Non-Medical Expenses Cover?

1
Essential Orthopaedic Support: A non-medical expense add-on provides coverage for items like slings, braces, splints and immobilisers. This ensures essential physical support for injuries and post-surgical recovery.
2
Respiratory Care Tools: This refers to coverage for essential devices such as nebuliser kits, oxygen cylinders, spacers, steam inhalers and spirometers. It supports respiratory health and the delivery of medication.
3
Fundamental Hygiene Supplies: This add-on also provides coverage for necessary items and routine medical kits such as gloves, masks, urine jugs, and udometers. This ensures that the basic facility supplies are accounted for.
4
Clinical Facility Charges: It refers to coverage for non-medical clinical costs such as ambulance requirements, ECG electrodes, blood matching and other hospital charges or surcharges. It prevents facility expenses from impacting you.

How to Add a Non-Expense Health Rider to Your Existing Health Insurance Policy?

Here is a quick overview of the process to add a non-expense health rider to your existing health insurance policy:

First, you need to check the details of the current health insurance policy you have.

Then speak with your present insurer to understand the benefits and coverage which apply.

Next, speak with insurance advisors to determine the best non-expense health rider for your requirements.

Select a rider who best suits your budget and health requirements.

Now, fill out all the necessary forms and supporting documents to add the rider to the base policy.

After the rider is added, you will get a confirmation on your registered number or email ID.

Documents Required to Apply for Non-Expense Health Rider

To apply for a non-medical rider, you will generally need to provide documentation which verifies your identity, existing health insurance coverage and present medical status.

An active copy of your active health insurance policy.

An official proposal or application form for a particular rider is filled out accurately.

The government issued photo identity documents, such as the Aadhaar card, voter ID, and PAN card.

A valid proof of residence which is up to date.

Official documents which verify your age, such as a passport or birth certificate.

Step-by-Step Guide

How to Buy Non Medical Expense Rider Online?

How to Buy

1

Visit Bajaj General website
2

Enter personal details
3

Compare health insurance plans
4

Select suitable coverage
5

Check discounts & offers
6

Add optional benefits
7

Proceed to secure payment
8

Receive instant policy confirmation

Buy Now

How to Renew

1

Login to the app
2

Enter your current policy details
3

Review and update coverage if required
4

Check for renewal offers
5

Add or remove riders
6

Confirm details and proceed
7

Complete renewal payment online
8

Receive instant confirmation for your policy renewal

Renew Now

How to Claim

1

Notify Bajaj General about the claim using app
2

Submit all the required documents
3

Choose cashless or reimbursement mode for your claim
4

Avail treatment and share required bills
5

Receive claim settlement after approval

Claim Now

How to Port

1

Check eligibility for porting
2

Compare new policy benefits
3

Apply before your current policy expires
4

Provide details of your existing policy
5

Undergo risk assessment by Bajaj General
6

Receive approval from Bajaj General
7

Pay the premium for your new policy
8

Receive policy documents & coverage details

Port Now

Download Policy Document

Now, easily access your non-expense medical policy add-on details at your convenience by following these steps to get to know about your policy.

Brochure

Policy Wordings

Proposal Form

Claims Form

Customer Info Sheet

Download

FAQ's

What is the Non-Medical Expense Rider, and why do I need it?

It’s an add-on cover that reimburses hospital expenses typically not covered by standard health insurance, like consumables, room services, and personal care items. It helps reduce out-of-pocket expenses during hospitalization

Does this rider cover pre- and post-hospitalization expenses?

No, the Non-Medical Expense Rider only covers expenses incurred during in-patient hospitalization. Pre- and post-hospitalization costs remain under your base health policy.

What are some key expenses covered under this rider?

It covers costs like hospital admission charges, room services, medical consumables (bandages, syringes, disinfectants), and personal care items (toiletries, tissue paper, handwash, etc.).

Are food and beverage expenses covered under this rider?

No, expenses related to food, baby food, and mineral water not provided by the hospital are excluded from cover

Is a Non-Medical Expense Rider available with all health insurance plans?

The Non-Medical Expense Rider from Bajaj General Insurance is available as an add-on with select health insurance policies in India. Customers should check the eligibility of this rider with their existing policy before opting for enhanced financial protection during hospitalisation.

Is it advisable to opt for a Non-Medical Expense Rider for better financial protection?

Yes, opting for the Non-Medical Expense Rider is advisable, especially for families or senior citizens. It helps reduce out-of-pocket expenses during claims and complements your base health insurance policy for broader coverage.

Can a Non-Medical Expense Rider be claimed separately from the base health insurance?

The Non-Medical Expense Rider cannot be claimed separately but works in conjunction with your base health insurance policy. It ensures that typically non-payable items are also covered under your claim, enhancing the overall claim settlement amount.

What expenses are typically covered under a Non-Medical Expense Rider?

This rider covers a variety of non-payable items like surgical gloves, oxygen masks, abdominal binders, steam inhalers, thermometers, and many more. Bajaj General Insurance offers this Non-Medical Expense Rider to help you cover such costs without incurring an additional financial burden.

Is this rider available as a standalone policy?

No, it can only be purchased as an add-on to an existing health indemnity policy. You cannot buy it separately.

How much does a Non-Medical Expense Rider increase the premium of a health policy?

Adding a Non-Medical Expense Rider to your health insurance policy in India may result in a marginal increase in premium, depending on the insurer and the sum insured. Bajaj General Insurance ensures the rider remains affordable while offering value-added protection.

Which documents are required to file a Non-Medical Expense Rider claim?

To file a Non-Medical Expense Rider claim, you generally need the same documents as your base claim—hospital bills, prescriptions, and relevant itemised invoices. Bajaj General Insurance may request specific records based on the type of non-medical item being claimed.

Can I submit a Non-Medical Expense Rider claim along with my base health insurance claim?

Yes, the rider claim is automatically processed along with the inpatient hospitalisation claim of your base health insurance policy. This ensures that both medical and eligible non-medical costs are considered in one submission.

How can I track the status of my Non-Medical Expense Rider claim?

You can track your Non-Medical Expense Rider claim status on the Bajaj General Insurance website or mobile app. Simply log in using your policy details to receive real-time updates and alerts on your claim’s progress and approval.

What should I do if my Non-Medical Expense Rider claim is rejected?

If your Non-Medical Expense Rider claim is denied, first review the reason provided in the rejection note. Bajaj General Insurance allows you to appeal the decision by submitting additional supporting documents or clarifications for reevaluation.

Can the Non-Medical Expense Rider renewal be done online?

Yes, you can easily renew your Non-Medical Expense Rider online through the Bajaj General Insurance website. The platform enables quick renewal using your policy number and registered details, ensuring uninterrupted protection against non-medical hospitalisation expenses.

Is a health check-up required at the time of Non-Medical Expense Rider renewal?

Generally, a medical check-up is not required for the renewal of the Non-Medical Expense Rider if there have been no significant changes in health status. Bajaj General Insurance keeps the renewal process simple to offer continued convenience and coverage.

Can I upgrade the coverage amount during the renewal of the Non-Medical Expense Rider?

Yes, in most cases, you may upgrade the Non-Medical Expense Rider sum insured during renewal, subject to underwriting guidelines. Bajaj General Insurance recommends reviewing your family’s needs annually to ensure your health insurance policy in India remains adequate.

Is there a grace period provided for Non-Medical Expense Rider renewal?

Bajaj General Insurance offers a standard grace period during which you can renew your Non-Medical Expense Rider without losing benefits. It is advisable to complete the renewal within this timeframe to avoid policy lapses and interruptions in coverage.

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