Irrespective of the amount approved, all health insurance policies specify the items which are not included in the approved amount, and have to be paid for by the patient, depending upon their particular policy’s terms & conditions. Items such as monitoring charges, infusion pump, specific drugs, disposables, certain tests, etc., are usually not paid for by the TPA / insurance agency, as per IRDA guidelines. A list of these items is included on the last page of this communication; these items must be paid for by the patient, at the time of discharge.