Consumables Cover in Health Insurance

​Health insurance has become indispensable due to the escalating cost of medical services nationwide. When you undergo surgery or a medical procedure, a significant portion of your expenses comes from consumables such as gloves, syringes, drips, PPE kits, etc.

While a health insurance policy covers your unforeseen medical expenses, it does not cover the cost of consumables. As a result, you have to pay large sums of money for your treatment even when you have health insurance.

This is where a consumable cover in health insurance becomes important. Let’s see what is a health consumable cover and how it can benefit you.

What are Consumables in Health Insurance?

Consumables in medical insurance refers to the items, aids or medical equipment that are usually discarded after one use. These include things like syringes, gloves, PPE kits, sanitisers, masks and so on.

Simply put, these are non-medical items you are charged for during hospitalisation. Since these are required multiple times during your stay in the hospital, they are highly likely to shoot up your medical bills.

Consumable Cover in Health Insurance​

Since the cost of consumables is not covered by health insurance, you must pay for these expenses out of your own pocket.

For example, Suppose you are hospitalised for three days. At the time of discharge, you are handed over a bill of ₹3 lakhs, out of which ₹50,000 is for consumables.

In this case, your health insurance will only pay for ₹2.5 Lakhs; you need to pay ₹50,000 towards consumables from your pocket.

This is where a consumable cover in medical insurance comes into play. It is an optional add-on or cover that is designed to cover the cost of consumables during your hospitalisation. It is an essential rider you can buy with your health insurance to minimise your out-of-pocket expenses during medical emergencies.

List of Consumables in Health Insurance

Note: This is not an exhaustive list of consumables in medical insurance. Refer to the policy wording for more information.

What is the Cost of Consumable in Medical Insurance?

The cost of consumables in health insurance varies from one hospital to another. It also depends on the type of items and their usage. In most cases, the consumables cost ranges from 10% to 20% of your total hospitalisation expenses.

However, this cost can become sig​nificant in case of longer hospitalisation periods and major surgeries and medical procedures.

Hence, it becomes crucial to purchase a health insurance consumable cover to deal with these non-payable medical expenses.

Benefits of Consumable Cover in Health Insurance

Reduces Out-of-Pocket Expenses

The primary benefit of the consumables cover in health insurance is that it minimises your out-of-pocket expenses. As a result, you can receive the required treatment without worrying about money arrangements.

Comprehensive Financial Protection

Having a consumable cover with medical insurance ensures maximum financial protection during your unforeseen medical crises. It lets you focus on your treatment while it covers the cost of these non-payable medical items.

Useful in Critical Medical Procedures

Critical medical procedures like surgeries and hospitalisation due to infectious ailments like COVID-19 lead to increased use of consumables, which adds to your overall hospitalisation expenses. A consumables add-on covers these expenses, providing you with maximum financial protection.

Why You Should Buy Reliance Consumables Cover in Health Insurance?

Rising Cost of Consumables

As discussed earlier, the cost of consumables is increasing sharply with the cost of other healthcare services. Since these items are indispensable, you have to pay for them, which brings additional financial burdens. This is the primary reason to purchase health insurance covering consumables.

No Compromise on Quality Healthcare

When you opt for our consumables cover in your health insurance policy, you don’t have to compromise by opting for low-quality and cheap medical services. You can get the highest quality treatments without worrying about the hefty consumable bills.

Affordable Price

At Reliance General Insurance, we offer a consumables cover at competitive prices to help you keep your premiums under a budget. It helps you enjoy comprehensive coverage at pocket-friendly prices.

Extended Coverage

Our consumables cover helps you extend the coverage of your existing health insurance policy. This ensures enhanced financial protection during your medical emergencies.

Frequently Asked Questions

• How do I check if my health insurance covers the cost of consumables or not?

  The majority of health insurance plans do not cover the cost of consumables. To confirm, refer to your policy wordings or get in touch with our team.

• Will my health insurance cover consumables if I don’t have a consumables cover?

  No. Health insurance policies in India do not cover the cost of consumables. These are non-payable medical expenses usually listed under the exclusion of the health insurance policy. Thus, you need to pay for these expenses all by yourself in the absence of health insurance consumables cover.

• What are the types of consumables in medical insurance?

  Various types of consumables in health insurance include:

  • Personal Protection Equipment:

  • Surgical Essentials

  • Medical Tools and Devices

  • Sterilisation Materials

  • Personal Care Items

  • Medical Fluids

  • Dressing and Bandages

• Does the consumables cover increase the premium amount?

  The consumable cover in health insurance is an optional add-on that can be purchased at an additional cost. While it increases the total premium amount, it reduces your out-of-pocket expenses providing an all-round financial protection.

Relevant Links for Health Insurance

Health Insurance | Health Insurance Plans For Family | Health Insurance For Senior Citizens | Health Insurance Premium Calculator | Health Insurance For Parents | Critical Illness Insurance | ​ Maternity Insurance | Personal Accident Insurance | Cashless Health Insurance | Arogya Sanjeevani Policy | Super Top Up Health Insurance | Group Mediclaim Policy | International Health Insurance | Health Insurance For Kids | Individual Health Plans | Insurance For Disabled | Reliance Health Gain Policy | Reliance Health Infinity Insurance | ​ Saral Suraksha Bima | Hospi Care Insurance

Health Insurance for Top Loactions

Health Insurance In Hyderabad | Health Insurance In Chennai | Health Insurance In Mumbai | Health Insurance Pune | Health Insurance Kolkata | Health Insurance In Jaipur | Rajasthan Health Insurance | Health Insurance Noida | Health Insurance Chandigarh | Health Insurance West Bengal

Disease-Specific Health Insurance

Dengue Disease | Heart Attack Disease | Migraine Disease | Thyroid Disease | Diabetes Disease | Typhoid Disease | Psoriasis Disease | Appendicitis Disease | Herpes Disease | Eczema Disease | Epilepsy Disease | ​ Skin Allergy Disease | Lasik Eye Surgery | Gangrene Disease | Alzheimer'S Disease | Bone Fracture Disease | Adhd Disease | Bone Cancer Disease​ | Diabetics Disease​