Hidden Costs in Cashless Health Insurance Discharge Bills

Despite claims of 100% cashless treatment, patients often face unexpected out-of-pocket expenses at discharge in major hospitals like Medanta, Apollo, Max, and Fortis. These include non-medical consumables, room rent capping, co-payments, deductibles, and administrative fees. IRDAI regulations exclude many such costs from coverage. Policyholders are advised to choose riders for consumables, avoid room rent limits, and use network hospitals to minimize financial shocks.

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