SNO LIST OF EXPENSES EXCLUDED ("NON-MEDICAL") SUGGESTIONS

TOILETRIES/COSMETICS/ PERSONAL COMFORT OR CONVENIENCE ITEMS

1 HAIR REMOVAL CREAM Not Payable
2 BABY CHARGES (UNLESS SPECIFIED/INDICATED) Not Payable
3 BABY FOOD Not Payable
4 BABY UTILITES CHARGES Not Payable
5 BABY SET Not Payable
6 BABY BOTTLES Not Payable
7 BRUSH Not Payable
8 COSY TOWEL Not Payable
9 HAND WASH Not Payable
10 M01STUR1SER PASTE BRUSH Not Payable
11 POWDER Not Payable
12 RAZOR Payable
13 SHOE COVER Not Payable
14 BEAUTY SERVICES Not Payable
Essential and may be paid specifically for cases who
15 BELTS/ BRACES
have undergone surgery of thoracic or lumbar spine.
16 BUDS Not Payable
17 BARBER CHARGES Not Payable
18 CAPS Not Payable
19 COLD PACK/HOT PACK Not Payable
20 CARRY BAGS Not Payable
21 CRADLE CHARGES Not Payable
22 COMB Not Payable
DISPOSABLES RAZORS CHARGES ( for site
23 Payable
preparations)
24 EAU-DE-COLOGNE / ROOM FRESHNERS Not Payable
25 EYE PAD Not Payable
26 EYE SHEILD Not Payable
27 EMAIL / INTERNET CHARGES Not Payable
FOOD CHARGES (OTHER THAN PATIENT'S DIET
28 Not Payable
PROVIDED BY HOSPITAL)
29 FOOT COVER Not Payable
30 GOWN Not Payable
Essential in bariatric and varicose vein surgery and
31 LEGGINGS 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 CURAPORE Not Payable
47 DIAPER OF ANY TYPE Not Payable
Not Payable ( However if CD is specifically sought by In
48 DVD, CD CHARGES
surer/TPA then payable)
49 EYELET COLLAR Not Payable
50 FACE MASK Not Payable
51 FLEXI MASK Not Payable
52 GAUSE SOFT Not Payable
53 GAUZE Not Payable
54 HAND HOLDER Not Payable
55 INFANT FOOD Not Payable
Reasonable costs for one sling in case of upper arm
56 SLINGS
fractures should be considered
ITEMS SPECIFICALLY EXCLUDED IN THE POLICIES

57 WEIGHT CONTROL PROGRAMS/ SUPPLIES/ SERVICES Not Payable

COST OF SPECTACLES/ CONTACT LENSES/ HEARING
58 Not Payable
AIDS ETC.,
DENTAL TREATMENT EXPENSES THAT DO NOT
59 Not Payable
REQUIRE HOSPITALISATION
60 HORMONE REPLACEMENT THERAPY Not Payable
61 HOME VISIT CHARGES Not Payable
INFERTILITY/ SUBFERTILITY/ ASSISTED CONCEPTION
62 Not Payable
PROCEDURE
OBESITY (INCLUDING MORBID OBESITY) TREATMENT
63 Not Payable
IF EXCLUDED IN POLICY
64 PSYCHIATRIC & PSYCHOSOMATIC DISORDERS Not Payable
65 CORRECTIVE SURGERY FOR REFRACTIVE ERROR Not Payable
66 TREATMENT OF SEXUALLY TRANSMITTED DISEASES Not Payable
67 DONOR SCREENING CHARGES Not Payable
68 ADMISSION/REGISTRATION CHARGES Not Payable
HOSPITALISATION FOR EVALUATION/ DIAGNOSTIC
69 Not Payable
PURPOSE
EXPENSES FOR INVESTIGATION/ TREATMENT
70 IRRELEVANT TO THE DISEASE FOR WHICH ADMITTED Not Payable
OR DIAGNOSED
71 STEM CELL IMPLANTATION/ SURGERY and storage Not Payable
ITEMS WHICH FORM PART OF HOSPITAL SERVICES WHERE SEPARATE CONSUMABLES ARE NOT PAYABLE BUT THE
SERVICE IS
72 WARD AND THEATRE BOOKING CHARGES Payable under OT Charges, not separately
Rental charged by the Hospital
73 ARTHROSCOPY & ENDOSCOPY INSTRUMENTS
Payable. Purchase of Instruments Not Payable.
74 MICROSCOPE COVER Payable under OT Charges, not separately
75 SURGICAL BLADES, HARMONIC SCALPEL, SHAVER Payable under OT Charges, not separately
76 SURGICAL DRILL Payable under OT Charges, not separately
77 EYE KIT Payable under OT Charges, not separately
78 EYE DRAPE Payable under OT Charges, not separately
X-RAY FILM Payable under Radiology Charges, not as consumable
79
Payable under Investigation Charges, not as
SPUTUM CUP
80 consumable
 81 BOYLES APPARATUS CHARGES Part of OT Charges, not separately
BLOOD GROUPING AND CROSS MATCHING OF
Part of Cost of Blood, not payable
82 DONORS SAMPLES
83 Antisepticordisinfectant lotions Not Payable - Part of Dressing Charges
BAND AIDS, BANDAGES, STERLILE INJECTIONS,
Not Payable - Part of Dressing charges
84 NEEDLES, SYRINGES
85 BLADE Not Payable
86 APRON Not Payable
87 TORNIQUET Not Payable
88 ORTHOBUNDLE, GYNAEC BUNDLE Not Payable, Part of Dressing Charges
89 URINE CONTAINER Not Payable
ELEMENTS OF ROOM CHARGE
Actual tax levied by government is payable. Part of
LUXURY TAX
90 room charge for sub limits
91 HVAC Part of room charge, Not Payable separately
92 HOUSE KEEPING CHARGES Part of room charge, Not Payable separately
SERVICE CHARGES WHERE NURSING CHARGE ALSO
Part of room charge, Not Payable separately
93 CHARGED
94 TELEVISION & AIR CONDITIONER CHARGES Part of room charge, Not Payable separately
95 SURCHARGES Part of room charge, Not Payable separately
96 ATTENDANT CHARGES Part of room charge, Not Payable separately
Part of Laundry / Housekeeping, Not Payable
CLEAN SHEET
97 separately
EXTRA DIET OF PATIENT (OTHER THAN THAT WHICH
Patient Diet provided by Hospital is payable
98 FORMS PART OF BED CHARGE)
99 BLANKET/WARMER BLANKET Part of room charge, Not Payable separately
ADMINISTRATIVE OR NON - MEDICAL CHARGES
100 ADMISSION KIT Not Payable
101 BIRTH CERTIFICATE Not Payable
BLOOD RESERVATION CHARGES AND ANTE NATAL
102 Not Payable
BOOKING CHARGES
103 CERTIFICATE CHARGES Not Payable
104 COURIER CHARGES Not Payable
105 CONVENYANCE CHARGES Not Payable
106 DIABETIC CHART CHARGES Not Payable
DOCUMENTATION CHARGES / ADMINISTRATIVE
107 Not Payable
EXPENSES
108 DISCHARGE PROCEDURE CHARGES Not Payable
109 DAILY CHART CHARGES Not Payable
110 ENTRANCE PASS / VISITORS PASS CHARGES Not Payable
111 EXPENSES RELATED TO PRESCRIPTION ON DISCHARGE Payable under Post-Hospitalisation where admissible
112 FILE OPENING CHARGES Not Payable
INCIDENTAL EXPENSES / MISC. CHARGES (NOT
113 Not Payable
EXPLAINED)
114 MEDICAL CERTIFICATE Not Payable
115 MAINTENANCE CHARGES Not Payable
116 MEDICAL RECORDS Not Payable
117 PREPARATION CHARGES Not Payable
118 PHOTOCOPIES CHARGES Not Payable
119 PATIENT IDENTIFICATION BAND / NAME TAG Not Payable
120 WASHING CHARGES Not Payable
121 MEDICINE BOX Not Payable
 122 MORTUARY CHARGES Payable up to 24 hrs, shifting charges not payable
123 MEDICO LEGAL CASE CHARGES (MLC CHARGES) Not Payable
EXTERNAL DURABLE DEVICES
124 WALKING AIDS CHARGES Not Payable
125 BIPAP MACHINE Not Payable
126 COMMODE Not Payable
127 CPAP/ CAPD EQUIPMENTS Device not payable
128 INFUSION PUMP – COST Device not payable
129 PULSEOXYMETER CHARGES Device not payable
130 SPACER Not Payable
131 SPIROMETRE Device not payable
132 SP02 PROBE Not Payable
133 STEAM INHALER Not Payable
134 ARMSLING Not Payable
135 THERMOMETER Not Payable
136 CERVICAL COLLAR Not Payable
137 SPLINT Not Payable
138 DIABETIC FOOT WEAR Not Payable
139 KNEE BRACES ( LONG/ SHORT/ HINGED) Not Payable
140 KNEE IMMOBILIZER/SHOULDER IMMOBILIZER Not Payable
141 LUMBOSACRAL BELT Payable for surgery of lumbar spine.
Payable for any ICU patient requiring more than 3 days
in ICU, all patients with paraplegia /quadriplegia for
142 NIMBUS BED OR WATER OR AIR BED CHARGES
any reason and at reasonable cost of approximately Rs
200/day
143 AMBULANCE COLLAR Not Payable
144 AMBULANCE EQUIPMENT Not Payable
145 MICROSHEILD Not Payable
Essential and should be paid in post-surgery patients of
major abdominal surgery including TAH, LSCS,
146 ABDOMINAL BINDER
incisional hernia repair, exploratory laparotomy for
intestinal obstruction, liver transplant etc.
ITEMS PAYABLE IF SUPPORTED BY A PRESCRIPTION
BETADINE / HYDROGEN PEROXIDE / SPIRIT /
147 Not Payable
DISINFECTANTS ETC
PRIVATE NURSES CHARGES - SPECIAL NURSING
148 Not Payable
CHARGES Post hospitalization nursing charges
NUTRITION PLANNING CHARGES - DIETICIAN
149 Patient Diet provided by hospital is payable
CHARGESDIET CHARGES
Payable -Sugar free variants of admissible medicines
150 SUGAR FREE Tablets
are not excluded
Payable when prescribed (Toiletries are not payable,
151 CREAMS POWDERS LOTIONS
only prescribed medical pharmaceuticals payable)
152 Digestion gels Payable when prescribed
153 ECG ELECTRODES One set every second day is Payable.
154 LISTERINE/ ANTISEPTIC MOUTHWASH Payable when prescribed
155 LOZENGES Payable when prescribed
156 MOUTH PAINT Payable when prescribed
157 NEBULISATION KIT If used during Hospitalisation is Payable reasonably
158 NOVARAPID Payable when prescribed
 159 VOLINI GEL/ ANALGESIC GEL Payable when prescribed
160 ZYTEE GEL Payable when prescribed
Routine Vaccination not Payable / Post Bite
161 VACCINATION CHARGES
Vaccination Payable
PART OF HOSPITAL'S OWN COSTS AND NOT PAYABLE
162 AHD Not Payable - Part of Hospital's internal Cost
163 ALCOHOL SWABES Not Payable - Part of Hospital's internal Cost
164 SCRUB SOLUTION/STERILLIUM Not Payable - Part of Hospital's internal Cost
OTHERS
165 VACCINE CHARGES FOR BABY Not Payable
166 AESTHETIC TREATMENT / SURGERY Not Payable
167 TPA CHARGES Not Payable
168 VISCO BELT CHARGES Not Payable
ANY KIT WITH NO DETAILS MENTIONED [DELIVERY KIT,
169 Not Payable
ORTHOKIT, RECOVERY KIT, ETC]
170 KIDNEY TRAY Not Payable
171 MASK Not Payable
172 OUNCE GLASS Not Payable
173 OUTSTATION CONSULTANT'S/ SURGEON'S FEES Not payable
174 PELVIC TRACTION BELT Payable in case of PIVD requiring traction
175 REFERAL DOCTOR'S FEES Not Payable
Not payable pre Hospitalisation or post Hospitalisation
176 ACCU CHECK (Glucometery/ Strips)
/ Reports and Charts required / Device not payable
177 PAN CAN Not Payable
178 SOFNET Not Payable
179 TROLLY COVER Not Payable
180 UROMETER, URINE JUG Not Payable
181 AMBULANCE Payable
182 TEGADERM / VASOFIX SAFETY Payable - maximum of 3 in 48 hrs and then 1 in 24 hrs
Payable where Medically Necessary - maximum 1 per
183 URINE BAG
24 hrs
184 SOFTOVAC Not Payable
185 STOCKINGS Payable for case like CABG etc.