You’re about to wrap up your hospital stay, feeling assured that your health insurance has your back. But then, reality hits hard when you’re handed a bill that’s way beyond your expectations. Bandages, PPE kits, syringes, surgical gloves, and masks—all those consumables are adding up, and guess what? Your policy excluded them from coverage. Seems unfair, right? But don’t fret; there’s a solution: Consumables Cover. Let’s delve into how it can save you money and hassle.
Understanding the fine print of your health insurance is crucial. Being savvy about clauses can help you make smarter decisions and maximize your benefits. Take cashless treatment, for example—it’s not always entirely cashless. You might end up paying for housekeeping items like slippers, sanitisers, and masks during settlement. The best way to dodge surprise expenses? Get Consumables Cover as part of your health plan. Here’s why it’s a game-changer.
What exactly are consumables? They’re medical aids or gear used during treatment and tossed afterwards—think masks, gloves, syringes, and PPE kits. While the IRDAI listed 199 items insurers don’t cover in 2016, insurers can pick and choose what’s included or excluded.
Before COVID-19, consumables made up a small slice of medical bills. Post-pandemic? They’re a hefty chunk, sometimes up to 30%. That’s where Consumables Cover swoops in. Many insurers offer it as an add-on to base plans, providing financial protection against the consumables onslaught.
What’s covered? Administrative charges, surgical gear, room expenses, and housekeeping items—everything from gloves to toothpaste. Sure, single items might not break the bank, but extended hospital stays or repeated use during procedures? That bill skyrockets. Consumables Cover eases that financial strain.
Why don’t insurers cover consumables? Because they’re single-use items that pump up bills. Insurers are wary of footing the bill for stuff that’s tossed after one go. That’s where Consumables Cover steps in, lightening your load and ensuring you’re not sacrificing health for cost.
Bottom line? Even with the best insurance, you might end up footing 40% of your hospital bills. Crazy, right? But with Consumables Cover, you can slash those out-of-pocket expenses and breathe easy.
