The Non-Payable Consumables Auditor
Did the hospital charge you ₹20,000 for gloves, sanitizers, and admission fees? Verify the 12 most-disputed non-payable items, and what the hospital illegally billed if you had a packaged surgery.
How to Challenge OT Consumables in Packaged Surgeries
If you were admitted for an agreed surgical package (e.g., Gallbladder, Hernia, C-Section, Stent), use this statutory statement when the hospital billing desk hands you a consumables bill:
OT & Surgery Consumables (Illegal to Deduct if Under Package Tariff)
Exempt if surgery is under agreed package rate. Non-payable only in a la carte billing.
Integral to Operation Theatre. Must be challenged if billed additionally.
Part of OT charges. Should not be billed separately to patient.
Should be included in Anesthesia charges under package deals.
Room & Hygiene Supplies (Payable ONLY with Consumables Rider)
Non-payable under standard policy; 100% covered if you have a Consumables Rider.
Hospital administrative equipment; strictly non-payable by base insurance.
Non-payable under standard policy; covered via rider.
Non-payable personal toiletries under the IRDAI exclusions list.
Hospital Admin & Overhead Surcharges (Disputable / Non-Payable)
Hospital administrative overhead. Consistently rejected by TPAs.
Administrative expense; non-payable by insurer.
Regulatory compliance overhead. Hospital cannot shift this to patient.
Non-payable unless part of primary medical treatment plan.