Health Insurance 320 views December 23, 2021

Buying health insurance ensures you won’t face any financial problems while receiving treatment for the illness/injury. But somehow, most health insurance plans may not cover expenses incurred on belts, gloves, braces, masks, spirometers, thermometers, and other instruments used during hospitalization. So, we have brought to you health insurance plans that provide coverage for such consumable items. Tata AIG General Insurance and Care Health Insurance are those companies with such plans. Read this page below to know the list of consumables covered by these insurers. But before that, let’s check why you should opt for consumable cover.

Health Insurance

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Treatment Becomes Dearer Owing to Increased Use of Consumables These Days

As per the news report, consumables have started to add more to the hospital bill post the COVID-19 pandemic. Hospitalization costs at major hospitals have now risen 35-40% with the increased use of syringes, PPE kits, as well as other instruments. The average hospitalization bill, which stood at around INR 50,000-60,000 before the pandemic, has now gone up to INR 80,000-90,000. So, you can understand how important it is to have cover for consumables under your health insurance plan.

List of Consumable Items Covered Under Care Health Insurance

Under the Care Health Care Shield Plan, you can get coverage for the following consumables –

  • Baby food
  • Baby utility charges
  • Beauty services
  • Belts or braces
  • Buds
  • Cold or hot pack
  • Carry bags
  • Email or internet access
  • Food charges other than provided by the hospital
  • Legging
  • Laundry charges
  • Mineral water
  • Sanitary pad
  • Telephone charges
  • Guest services
  • Crepe bandage
  • The diaper of any type
  • Eyelet collar
  • Slings
  • Blood grouping and cross-matching of donor samples
  • Service charges (if nursing charges are charged)

It will come as a rider to the base health insurance policy of Care Insurance. So, you will need to pay the premium for the base policy as well as the rider. The eligibility criteria, terms, and conditions, exclusion applicable to the base policy shall also apply to the Care Shield Plan. For instance, the eligibility criteria for the Care Health Insurance Plan is as follows –

  • Minimum Entry Age – 91 days
  • Maximum Entry Age – None

And, only if you file a claim on the base policy will the Care Shield Plan come in force and cover the consumable expenses.

Coverage for Consumable Items Under Tata AIG General Insurance

Tata AIG General Insurance provides plans that cover the expenses of consumables as long as they are used during hospitalization and are related to the illness/injury. These plans are –

You can get these plans from TATA AIG if you meet the below criteria –

  • Minimum Entry Age – 91 days for TATA Medicare
  • Minimum and maximum entry age – 91 days – 65 years for TATA Medicare Protect and TATA Medicare Premier

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