HDFC Ergo Optima Secure covers most of the non medical expenses
but still there are few expenses a patient may undergo and excluded from health insurance policy
Here is the summary of non medical expenses not covered under Hdfc Ergo Optima Secure
| S.No | Item |
| 1 | Baby Food |
| 2 | Baby Utilities Charges |
| 3 | Beauty Services |
| 4 | Belts/ Braces |
| 5 | Buds |
| 6 | Cold Pack/Hot Pack |
| 7 | Carry Bags |
| 8 | Email / Internet Charges |
| 9 | Food Charges (Other Than Patient’s Diet Provided By Hospital) |
| 10 | Leggings |
| 11 | Laundry Charges |
| 12 | Mineral Water |
| 13 | Sanitary Pad |
| 14 | Telephone Charges |
| 15 | Guest Services |
| 16 | Crepe Bandage |
| 17 | Diaper of any Type |
| 18 | Eyelet Collar |
| 19 | Slings |
| 20 | Blood Grouping and Cross Matching Of Donors Samples |
| 21 | Service Charges Where Nursing Charge also Charged |
| 22 | Television Charges |
| 23 | Surcharges |
| 24 | Attendant Charges |
| 25 | Extra Diet of Patient (Other Than That Which Forms Part of Bed Charge) |
| 26 | Birth Certificate |
| 27 | Certificate Charges |
| 28 | Courier Charges |
| 29 | Conveyance Charges |
| 30 | Medical Certificate |
| 31 | Medical Records |
| 32 | Photocopies Charges |
| 33 | Mortuary Charges |
| 34 | Walking Aids Charges |
| 35 | Oxygen Cylinder (For Usage outside Hospital) |
| 36 | Spacer |
| 37 | Spirometre |
| 38 | Nebulizer Kit |
| 39 | Steam Inhaler |
| 40 | Armsling |
| 41 | Thermometer |
| 42 | Cervical Collar |
| 43 | Splint |
| 44 | Diabetic Foot Wear |
| 45 | Knee Braces (Long/ Short/ Hinged) |
| 46 | Knee Immobilizer/Shoulder Immobilizer |
| 47 | Lumbo Sacral Belt |
| 48 | Nimbus Bed Or Water Or Air Bed Charges |
| 49 | Ambulance Collar |
| 50 | Ambulance Equipment |
| 51 | Abdominal Binder |
| 52 | Private Nurses Charges (or) Special Nursing Charges |
| 53 | Sugar Free Tablets |
| 54 | Creams Powders Lotions (Toiletries Are Not Payable,Only Prescribed Medical Pharmaceuticals Payable) |
| 55 | ECG Electrodes |
| 56 | Gloves |
| 57 | Nebulisation Kit |
| 58 | Any Kit With No Details Mentioned [Delivery Kit, Orthokit, Recovery Kit, etc.] |
| 59 | Kidney Tray |
| 60 | Mask |
| 61 | Ounce Glass |
| 62 | Oxygen Mask |
| 63 | Pelvic Traction Belt |
| 64 | Pan Can |
| 65 | Trolly Cover |
| 66 | Urometer, Urine Jug |
| 67 | Ambulance |
| 68 | Vasofix Safety |
Note: This post has been updated on 11th Feb 2023, for latest list of non medical exclusions please refer hdfcergo website