Consumables Coverage in Health Insurance
  • What is consumable coverage?
  • Inclusions
  • Scope
consumable cover
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Everything about Consumables Coverage in Health Insurance

Health insurance is one of the vital components of our new-era lifestyles. Health insurance ensures you have access to essential medical services when you need the most. While most of us are well aware of the basics of health insurance, some lesser-known benefits can be added for bigger benefits, such as the benefit of consumables coverage.

What are Consumables?

Consumables in health insurance are the medical items and supplies used during hospitalization or medical procedures and discarded afterward. Some examples are- surgical gloves, dressings, syringes, PPE kits, and more. Let us understand why it is important to get coverage for Consumables as well with your health insurance.

What does Consumables in Health Include?

If your healthcare policy does not provide coverage for these consumables, you have to bear the costs. In 2016, the IRDAI listed 199 non-payable items from the perspective of the insurer. However, you will get the liberty to include or exclude any items from the list. Here is the list of consumables which are included in the health insurance:

  • Administrative Charges Includes the expenses related to documentation, admission kit, birth and death certificate, visitor's pass, medical records, daily chart, discharge procedure, and much more.
  • Housekeeping and maintenance charges Items like mineral water, toothpaste, toothbrushes, tissue paper, slippers, sanitary pads, shampoo, combs, powder, diapers, cradle, belts, caps, baby food, carry bags, and much more.
  • Room Charges Related to the facility provided in the room, for example, telephone, Air conditioning, televisions, DVD player, IV injection, attendant charges, luxury items, and much more.
  • Surgical Items Items like cotton, syringes, needles, razors, masks, gloves, gowns, surgical tape, sutures, thermometers, tourniquets, slings, splints, collars, braces, and much more.

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Why is Consumables Coverage Essential?

As the advancement in the medical industry grows, the use of consumables has become an integral part of modern healthcare. Although, these items are seemingly small, but play a crucial role in sure the effectiveness of the medical procedures and the overall well-being of the patient. Having consumable coverage in your health insurance policy has several benefits:

  • Financial relief These medical consumables can significantly contribute to your overall medical expenses. By having consumables coverage, you can minimize the financial burden associated with them.
  • Comprehensive coverage Consumables coverage multiplies the comprehensiveness of your health insurance policy. It demonstrates a forward-thinking approach by insurance providers to address the evolving needs of healthcare.
  • Focus on Recovery You can totally focus on your recovery when your policy takes care of everything.

What is the Scope of this Coverage?

Consumable coverage can be different depending on the health insurance provider or the specific policy you choose. Consider the following factors while choosing the coverage

  • List of Covered Consumables Before going on with your health insurance, review the policy documents to identify the list of consumables that are covered. This list includes items like gauze, cotton, gloves, disposable syringes, and much more.
  • Maximum Limit Some policies might have a maximum limit on the amount of consumable coverage. Therefore, it is essential to understand this limit to avoid any surprises when filing a claim.
  • Exclusions Like other coverage, consumables coverage also has certain exclusions. Make sure to identify what consumables are not covered by your policy.

Embracing the Future of Healthcare Coverage

In the era where healthcare is becoming more personalized and patient-centric, consumables stand as a testimony to the industry's commitment to holistic well-being. By understanding the significance of consumables in the treatment procedure and incorporating them into our efforts to safeguard ourselves like an insurance policy. While you navigate the complexities of health insurance, remember that the consumable coverage is more than a feature, it is a bridge to a smoother and more secure healthcare experience. So, you need to consider the value of consumables coverage in safeguarding your health and finances.

Consumables Coverage in Health Insurance: FAQs

1. What items are covered by consumables?

Consumables are non-medical expenses coverage such as gloves, nebulization, kits, oxygen masks, and other necessary items used for treatment.

2. What are the two types of consumables?

Consumer staples, which are used by many households regardless of how the economy is doing and other consumer discretionary, that are purchased out of want, not need.

3. What is a consumable add-on cover?

Consumables add-on cover helps to save money on small but unavoidable expenses, that can come with medical treatments.

4. What is the meaning of consumable cost in the hospital?

Consumable cost is the cost of all the disposable equipment and medical aid that gets discarded after one time use.

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Simran Nirala

Written By: Simran Nirala

Simran has an experience of 3 years in insurance content writing. She transitioned from hospitality to the insurance industry after her emerging interest in how vast insurance is. With her ability to write complex insurance concepts in a simple, relatable manner she keeps her audience hooked and solves their doubts smoothly.