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.
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.
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:
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:
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
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.