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Health Insurance
Non Medical Expense Rider
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?
A Non-Medical Expenses Cover is an additional feature that you can add to your existing health insurance policy. It provides extra benefits without increasing your out-of-pocket expenses during a medical emergency. This rider is designed to offer comprehensive coverage, ensuring you and your family are financially protected against unforeseen health-related expenses.
What’s Covered in a Non-Medical Expenses Cover?
List of non-medical items payable if opted for rider:
- Belts/Braces
- Cold Pack/Hot Pack
- Leggings
- Crepe Bandage
- Eyelet Collar
- Slings
- Blood Grouping and Cross Matching of Donors Samples
- Service Charges Where Nursing Charges Also Charged
- Surcharges
- Mortuary Charges
- Walking Aids Charges
- Oxygen Cylinder (For Usage Outside the Hospital)
- Spacer
- Spirometer
- Nebulizer Kit
- Steam Inhaler
- Arm sling
- Thermometer
- Cervical Collar
- Splint
- Knee Braces (Long/ Short/ Hinged)
- Knee Immobilizer/Shoulder Immobilizer
- Lumbosacral Belt
- Nimbus Bed or Water or Air Bed Charges
- Ambulance Collar
- Ambulance Equipment
- Abdominal Binder
- ECG Electrodes
- Gloves
- Any Kit with No Details Mentioned (Delivery Kit, Ortho Kit, Recovery Kit, etc.)
- Kidney Tray
- Mask
- Ounce Glass
- Oxygen Mask
- Pelvic Traction Belt
- Pan Can
- Trolley Cover
- Urometer, Urine Jug
- Vasofix Safety
Benefits You Deserve
Boosts Coverage
Extends financial protection by covering non-medical expenses excluded from base
Get additional Support
Additional coverage of Non Medical cover on selected Bajaj Health Pr
Base Policy Upgrade
Upgrade any BGIL health policy with NME
Key Benefits of Non-Expense Health Rider
- Enhanced Coverage: Get additional coverage for critical illnesses, hospitalization, and other medical expenses without the need for extra premium payments.
- Cashless Treatment: Enjoy cashless treatment at a wide network of hospitals across India, ensuring you receive the best medical care without financial stress.
- No Claim Bonus: Benefit from a no-claim bonus, which increases your sum insured for every claim-free year, providing more coverage at no extra cost.
- Tax Benefits: Avail tax deductions under Section 80D of the Income Tax Act, 1961, making your health insurance more affordable.
- Peace of Mind: Focus on your recovery without worrying about the financial burden, knowing that your health insurance has you covered.
Advantages of Choosing Our Non-Expense Health Rider
- Comprehensive Protection: Our Non-Expense Health Rider offers extensive coverage for a wide range of medical conditions and treatments.
- Affordable Premiums: Enjoy the benefits of enhanced health insurance without a significant increase in your premium payments.
- Easy Claim Process: Our hassle-free claim process ensures that you receive the benefits quickly and efficiently.
- Wide Network of Hospitals: Access quality healthcare services at our extensive network of partner hospitals across India.
How to Add a Non-Expense Health Rider to Your Existing Health Insurance Policy?
Adding a Non-Expense Health Rider to your existing health insurance policy is simple and straightforward. Follow these steps:
- Review Your Current Policy: Check your current health insurance policy to understand the coverage and benefits you already have.
- Consult with Our Experts: Speak with our insurance advisors to determine the best Non-Expense Health Rider options for your needs.
- Customize Your Coverage: Choose the rider that best suits your health requirements and budget.
- Complete the Formalities: Fill out the necessary forms and submit the required documents to add the rider to your policy.
- Enjoy Enhanced Protection: Once the rider is added, enjoy the peace of mind that comes with comprehensive health insurance coverage.
Download Policy Document
Get instant access to your policy details with a single click.
Why Insure Your Health with Bajaj General?
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Health Companion
Insurance benefits and rewards
Earn points for health activities and get benefits as premium discounts & policy upgrades. Improve your health to reduce claims & maximize benefits.
Complete health assessment and data integration
Start with a detailed health evaluation and sync your medical records & wearables for real-time data on activity, sleep & vital metrics.
Insurance benefits and rewards
Earn points for health activities and get benefits as premium discounts & policy upgrades. Improve your health to reduce claims & maximize benefits
Complete health assessment and data integration
Start with a detailed health evaluation and sync your medical records & wearables for real-time data on activity, sleep & vital metrics.
Frequently Bought Together
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Step-by-step Guide
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How to Buy
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1
Visit Bajaj General website
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Enter personal details
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Compare health insurance plans
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Select suitable coverage
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Check discounts & offers
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Add optional benefits
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Proceed to secure payment
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Receive instant policy confirmation
How to Renew
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Login to the renewal portal
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Enter your current policy details
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Review and update coverage if required
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Check for renewal offers
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Add or remove riders
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Confirm details and proceed
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Complete renewal payment online
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Receive instant confirmation for your policy renewal
How to Claim
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Notify Bajaj General about the claim
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Submit all the required documents
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Choose cashless or reimbursement mode for your claim
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Avail treatment and share required bills
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Receive claim settlement after approval
How to Port
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Check eligibility for porting
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Compare new policy benefits
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Apply before your current policy expires
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Provide details of your existing policy
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Undergo risk assessment by Bajaj General
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Receive approval from Bajaj General
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Pay the premium for your new policy
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Receive policy documents & coverage details
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What Our Customers Say
Highly satisfied
Clear policies, easy renewal, and great coverage options. Highly satisfied with this health insurance app.
Piyush Kumar
Mumbai
17th Mar 2025
Highly recommend!
Managing my health, vehicle & cyber insurance is so simple with this app. Highly recommend!
Pooja Kaushik
Vadodara
2nd Feb 2025
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Delhi
31st Jan 2025
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Mumbai
31st Jan 2025
Reliable & affordable
Reliable & affordable medical insurance plan—gives complete health security for my family.
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Delhi
30th Jan 2025
Financial convenience
Medical crises are stressful, but financial convenience is guaranteed by this health plan
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Mumbai
30th Jan 2025
Great coverage options too!
Finding pregnancy health insurance was stress-free on Bajaj General app. Great coverage options too!
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Mumbai
24th Jan 2025
User-friendly and efficient!
Securing my family's health with Bajaj General has been hassle-free. Their app is user-friendly and efficient!
Gautam Mongia
Delhi
24th Jan 2025
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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