Want Coverage For Consumables

Want coverage for consumables? Add riders to your health insurance plan

Prior to COVID-19,Want Coverage For Consumables use to take up around 3%-5% of the hospital bills.

However since the outbreak of the pandemic.

The share of consumable in hospital bills has increased to a massive 25%-30%.

Want Coverage For Consumables

In the last 15-16 months

Treatment at private hospitals in all major cities across the nation has turn dearer, with the inclusion of essential protective gear.

Consumables for staff that is being pass on to the hospitalization bills of the consumers.

In fact, costs for hospitalization have gone up by 35-40 per cent for all major private hospitals.

Especially with increase in consumption of consumables like PPE kits, syringes, along with addition of sanitization costs.

While before COVID-19, the average hospitalization bill was between Rs 50,000.

Rs 60,000, during the COVID-19 crises it has increase to Rs 80,000 – Rs 90,000.

Over the last one year, costing of COVID-19 beds in private hospitals is running into around Rs 10,000 per patient per day.

For 15-days hospitalization for treatment of COVID-19, the hospital bill mostly runs into Rs 1.5 lakh – Rs 2 lakh.

Increase in Share of Consumables

Prior to COVID-19, consumables used to take up around 3% – 5% of the hospital bills.

However since the outbreak of the pandemic.

The share of consumable in hospital bills has increased to a massive 25% – 30%.

This has left several families across the country in trouble as they are taking loans.

Asking for help from family and friends to pay the hospital bills.

For instance, a family in Bangalore was stump to see 40% of their hospital bill was for consumables that included cost of PPE kits.

N95 masks, sanitization of examination rooms and many other products.

The bill handed over to them by a private hospital was of Rs 2.5 lakh that included consumables worth Rs 1 lakh.

The story is similar across PAN India with people worried about the high costs of consumables in their hospital bills.

In fact, as per underwriting rules of insurers.

Consumables are not payable by the insurance company.

As a health insurance policyholder.

It is important for you to know that your insurer may not cover you for consumables.

The cost of such expenses will have to be borne by you only in case of hospitalization.

Want Coverage For Consumables

Riders to the Rescue

Thankfully, considering the significantly high proportion of consumables in hospital bills.

Insurers have now start to come with riders that can be buy along with base plans to cover.

The cost of consumables in your hospital bills.

For now, two prominent insurers namely Care Health Insurance and Max Bupa Health Insurance are offering such riders.

The feature can be avail through any Care Health insurer’s plan by adding Care Shield rider.

Max Bupa Health Insurance’s Safeguard rider.

Both these riders cost approximately 5% of the base plan premium.

For example, if you choose Max Bupa’s Health ReAssure plan whose annual premium is Rs 8,000,

The annual premium of Safeguard Rider would be Rs 400.

Both these riders help in getting the claim settle for non-payable items.

Have no impact on NCB if the claim is up to 50,000.

Both these riders can be bought with any heath cover to consumables.

Non-payable items like belts, gloves, braces, masks, spirometer, thermometer, and other such items.

Apart from covering for consumables, the Care Shield rider also pays for preventive health check-ups, wellness, home care, doctor consultations, and diagnostics.

Want Coverage For Consumables


As per the available trends, the claims payout ratio amongst people who have cover for consumables is 94% while people who do not have cover for consumables is 83%.

This means that people who have a cover for consumables.

The claim payout ratio is 11 % points more than people who do not have a cover for consumables.

These numbers are expect to increase by manifolds as COVID-19 is here to stay for long.

The practice of using consumables for patients during hospitalization will be follow in the long run as well.

This makes it even more important to add consumables rider with your base plan.

A comprehensive coverage against coronavirus infection.

Follow us on INSTAGRAM:

33 Instagram Marketing Statistics for 2018 | DrumUp Blog

Follow us on FACEBOOK:

47 thoughts on “Want Coverage For Consumables

  1. Pretty nice post. I just stumbled upon your weblog and wanted to mention that I’ve truly enjoyed surfing around your blog
    posts. In any case I’ll be subscribing in your rss feed and I
    am hoping you write again soon!

  2. constantly i used to read smaller posts which also clear
    their motive, and that is also happening with this
    piece of writing which I am reading here.

  3. I need to to thank you for this excellent read!!
    I certainly enjoyed every bit of it. I’ve got you book-marked to look at new stuff you post…

  4. Good day! This is my first visit to your blog! We are a team of volunteers and starting a
    new initiative in a community in the same niche. Your blog provided us useful information to
    work on. You have done a outstanding job!

  5. Wow that was odd. I just wrote an very long comment
    but after I clicked submit my comment didn’t show up. Grrrr…

    well I’m not writing all that over again. Anyhow,
    just wanted to say superb blog!

  6. When I originally commented I seem to have clicked on the -Notify me when new comments
    are added- checkbox and now whenever a comment is added I receive
    four emails with the same comment. Perhaps there is an easy method you can remove me from that service?

  7. I know this if off topic but I’m looking into starting my own weblog and
    was wondering what all is required to get setup?
    I’m assuming having a blog like yours would cost
    a pretty penny? I’m not very internet savvy so I’m not 100%
    certain. Any suggestions or advice would be greatly appreciated.


    Also visit my web blog; carslot88

  8. I absolutely love your blog.. Very nice colors & theme.
    Did you develop this site yourself? Please reply back as I’m looking to create my
    own personal blog and would love to find out where you
    got this from or what the theme is called. Kudos!

  9. When some one searches for his required thing, therefore he/she desires to be available that in detail, so that thing is maintained over here.

  10. Greate pieces. Keep writing such kind of info on your page.

    Im really impressed by your blog.
    Hi there, You have performed a fantastic job. I’ll definitely digg it
    and in my view suggest to my friends. I’m confident they’ll be benefited
    from this site.

  11. Hey! This is my first visit to your blog! We are a team of volunteers and starting a new initiative in a community in the same niche.

    Your blog provided us valuable information to work on.
    You have done a outstanding job!

  12. Olá. Estive lendo seu blog por algum tempo e agora, finalmente,
    criei bravura para ir em frente e dar meu ponta pé inicial
    no meu negócio . Só queria dizer muito obrigado por ter escrito este

  13. Hey there! This is kind of off topic but I need some
    help from an established blog. Is it tough to set up your own blog?
    I’m not very techincal but I can figure things out pretty fast.
    I’m thinking about creating my own but I’m not sure
    where to start. Do you have any ideas or suggestions?
    Appreciate it

  14. It is appropriate time to make some plans for the future and
    it is time to be happy. I have read this post and if
    I could I want to suggest you some interesting things or advice.
    Maybe you can write next articles referring to this article.
    I wish to read even more things about it!

    Also visit my page … ViroMax Ultra Ingredients (web.jmjh.tn.edu.tw)

  15. Unquestionably consider that which you said. Your favorite reason appeared to be at the internet the simplest factor
    to bear in mind of. I say to you, I definitely get annoyed
    while folks consider worries that they plainly don’t recognize
    about. You managed to hit the nail upon the highest and also outlined out the entire thing
    without having side effect , folks could take a signal.

    Will likely be again to get more. Thanks!

    Also visit my website; Slim Force Review

  16. You really make it seem so easy with your presentation but I find this topic to be actually something that I think I would never understand.
    It seems too complex and extremely broad for me.

    I’m looking forward for your next post, I will try to get the hang of

    My page – Glucose1

  17. Do you have a spam issue on this website; I also am a blogger, and I was wondering
    your situation; many of us have created some nice procedures and
    we are looking to swap methods with others, why not shoot me an email if interested.

  18. An intriguing discussion is worth comment. There’s no doubt that that
    you should write more on this issue, it may not
    be a taboo matter but typically people don’t discuss
    such issues. To the next! All the best!!

  19. Thanks , I’ve recently been searching for
    information about this subject for a while and yours
    is the best I’ve came upon so far. But, what about the bottom line?
    Are you positive about the supply?

    Here is my site – TetraMale

  20. Wonderful beat ! I would like to apprentice while you amend your web site, how could i subscribe
    for a blog web site? The account aided me a acceptable deal.
    I had been a little bit acquainted of this your
    broadcast offered bright clear idea

  21. This is the right webpage for anybody who really wants to understand this topic.
    You realize a whole lot its almost tough to argue with you
    (not that I actually would want to…HaHa). You certainly put a new
    spin on a topic that’s been discussed for ages. Wonderful stuff, just great!

Leave a Reply

Your email address will not be published. Required fields are marked *