Menu Display

Support
Self Help Video Chat

Start Video Chat

×

Breadcrumb

Consumables Cover in Health Insurance

consumables in health cover

Consumables are generally any medical equipment or supplies that must be thrown away after use. When you get admitted to a hospital for surgery or visit a facility for any medical procedure, a prominent part of your bills includes the cost of consumables like syringes, gloves, PPR kits, bandages, drips, etc. 

While regular health insurance covers most inpatient and outpatient medical expenses, it does not include the cost of consumables. Thus, policyholders often end up spending a large amount of money out of their pockets even after owning a health insurance plan. 

To avoid additional costs, consider purchasing a consumable cover in health insurance. It is an optional add-on that can provide you with financial coverage during periods of hospitalisation, minimising your out-of-pocket expenses. 

At IndusInd General Insurance, we offer an optional consumable cover with our health insurance plans. Plus, some of our plans, such as the Health Global, already come with built-in coverage for consumables that is paid for up to the policy’s sum insured.

Why Get a Consumables Cover in Health Insurance?

animation icon
To Cover the Rising Cost of Healthcare

A consumable cover in health insurance helps meet the rising cost of healthcare, as these items are unavoidable when receiving medical services. You have to bear the costs even if you own health insurance. Plus, they contribute significantly to your overall hospital bill. That is why we recommend getting a consumables cover when buying medical insurance.

animation icon
To Minimise Out-of-Pocket Expenses

Normally, the cost of consumables accounts for up to 30% of the hospital bill, and most health insurance policies do not cover the cost of consumables. This can be a concern when you require hospitalisation for extended periods or need to undergo a major surgery. Hence, buying a consumable cover can help avoid hefty costs associated with non-payable medical items.

animation icon
To Maintain Highest Treatment Quality

When you get consumables cover, you do not have to compromise by taking admission to a cheap hospital or necessarily looking for affordable, low-quality medical services. We take care of your consumables cost while you get the highest quality treatment, focusing fully on your recovery health-wise.

animation icon
To Extend the Scope of Coverage

Our consumables coverage allows you to extend the scope of your existing health insurance. Usually, hospitalisation expenses include up to a 30% cost for consumables. Therefore, you can rest assured without worrying too much about medical emergencies when you have this comprehensive financial protection.

No more paying separately for medical supplies

Call now — don’t let consumables drain your wallet!

List of Consumables in Health Insurance

Surgical Items

Room Charges

Housekeeping Items

Administrative Fees

• Needles

• Cotton

• Syringes

• Bandages

• Masks

• Gloves

• Injections

• Razor Blades

• Gauze

• Braces

• Apron

• Harmonic Scalpel

• Surgical Drill

• Television

• Air Conditioner

• Gown

• Attendant / Nursing Charges

• Pulse Oximeter Charges

• Telephone Usage

• Dietician Charges

• Medicine Box

• Digestion Gels

• Sanitiser

• Hand wash

• Tissue Papers

• Sanitary Pads

• Diapers

• Toothpaste / Toothbrush

• Slippers

• Baby Food

• Urine Container

• Mineral Water

• Nebuliser Kit

• Diabetic Footwear

• Disinfectants

• Hot/Ice Pack

• Infusion Pumps

• Nursing

• Registration Charges

• Prescriptions

• Vaccination

• Daily Health Checks

• Blood Reservation Test

• Birth / Death Certificate

• HIV Kits

• Visitor Pass

• Medical Records

Disclaimer: This list is purely for illustrative purposes and the exact list may vary based on your chosen policy. To get the full list of consumables please check your policy documents, or contact customer support for further assistance.

Health insurance starting at just ₹382 per month*!

From Gloves to Gauze, We Cover It All

Experience truly comprehensive healthcare support with our Consumables Cover. We pay for every necessary medical item, reducing bill shocks, making hospitalisation more affordable.
bull-stand-up

Homepage alternate CX

Voices of Trust

Stories shared by our happy customers!

Total Average Rating

Based on ratings

View All
View All

Asset Publisher

4.8 ★ ★ ★ ★ ★ (508)
Ritik

Ritik

Noida

star

5

Value for money

Buying a Health policy through the platform ofReliance General Insurance (now IndusInd General Insurance) was straightforward and quick.
Srivathsav  Parthasarathi

Srivathsav Parthasarathi

West Midnapore

star

4.5

Seamless digital experience

The journey of purchasing Health insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. It met my requirements well and felt tailored to my needs. I am satisfied with the main policy and don't see a need for extras. I'm happy with how everything went and feel secure with my policy.
Sateesh Kumarkuchipudi

Sateesh Kumarkuchipudi

West Godavari

star

5

Quick policy issuance

I recently purchased my Health insurance from Reliance General Insurance (now IndusInd General Insurance) and found the experience very smooth. It met my requirements well and felt tailored to my needs. No additional coverage seemed required for my needs. Overall, it was a seamless experience and I am satisfied.
Vanga  Naveen

Vanga Naveen

West Godavari

star

5

Quick policy issuance

The journey of purchasing Health insurance from Reliance General Insurance (now IndusInd General Insurance) felt effortless and user-friendly. It aligns well with what I needed from an insurance policy. I am satisfied with the main policy and don't see a need for extras. The process felt reliable and I would recommend it to others.
Sirraatchuta Ram Babua

Sirraatchuta Ram Babua

West Godavari

star

5

Quick policy issuance

Buying a Health policy through the platform ofReliance General Insurance (now IndusInd General Insurance) was straightforward and quick. It met my requirements well and felt tailored to my needs. No additional coverage seemed required for my needs. Overall, it was a seamless experience and I am satisfied.
Manoj Kumarmogha

Manoj Kumarmogha

New Delhi

star

5

Quick policy issuance

Buying a health policy through the platform was straightforward and quick. The coverage provided matches my expectations and feels comprehensive.
Vasantha

Vasantha

Wayanad

star

4

Value for money

I recently purchased my health insurance and found the experience to be smooth. I will provide dertailed feedback post my claim settlement process has been completed.
Jasmin  K

Jasmin K

Wayanad

star

4

Seamless digital experience

From start to finish, the process of getting my health insurance was convenient. The plan offered exactly the type of coverage I was expecting.
Nazeer Salma Abdulla

Nazeer Salma Abdulla

Wayanad

star

5

Quick policy issuance

I had a positive overall experience while applying for Health insurance. The coverage provided matches my expectations and feels comprehensive.
Sripal Reddymadhi Reddy

Sripal Reddymadhi Reddy

Warangal

star

5

Quick policy issuance

I had a positive overall experience while applying for health insurance with Reliance Insurance Company (now IndusInd Insurance Company) . The coverage provided matches my expectations and feels comprehensive. I did not feel the need for any other products at this time.
Veeraiah Kamatam

Veeraiah Kamatam

Wanaparthy

star

5

Quick policy issuance

Buying a Health policy through the platform of Reliance General Insurance (now IndusInd General Insurance) was straightforward and quick. The coverage provided matches my expectations and feels comprehensive. I am satisfied with the main policy and don't see a need for extras.
Sivaganesh  Madamsetti

Sivaganesh Madamsetti

Visakhapatnam

star

5

Quick policy issuance

The journey of purchasing health insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. It met my requirements well and felt tailored to my needs. I am satisfied with the main policy and don't see a need for extras.
Sudha Ranimadabattula

Sudha Ranimadabattula

Visakhapatnam

star

5

Quick policy issuance

I recently purchased my health insurance and found the experience very smooth. The plan offered exactly the type of coverage I was expecting.
Yerususatya Prasad

Yerususatya Prasad

Visakhapatnam

star

5

Quick policy issuance

The journey of purchasing Health insurance from Reliance General Insurance (now IndusInd General Insurance) felt effortless and user-friendly. The plan offered exactly the type of coverage I was expecting. The process felt reliable and I would recommend it to others.
Karu Rama Rao

Karu Rama Rao

Visakhapatnam

star

5

Quick policy issuance

The journey of purchasing health insurance felt effortless and user-friendly. The plan offered exactly the type of coverage I was expecting.
Ravi Teja Anem

Ravi Teja Anem

Visakhapatnam

star

5

Quick policy issuance

I had a positive overall experience while applying for health insurance with Reliance (now IndusInd) . The plan offered exactly the type of coverage I was expecting. Currently, I don't think I require any additional plans or add-ons.
Bhimabattula Aruna Devi

Bhimabattula Aruna Devi

Visakhapatnam

star

5

Quick policy issuance

I recently purchased my Health insurance from Reliance General Insurance (now IndusInd General Insurance) and found the experience very smooth. I felt that my protection needs were well addressed with this policy. I did not feel the need for any other products at this time.
Kantimahanti Balakrishna

Kantimahanti Balakrishna

Visakhapatnam

star

5

Quick policy issuance

I recently purchased my Health insurance from Reliance Insurance (now IndusInd Insurance) and found the experience very smooth. I felt that my protection needs were well addressed with this policy. Currently, I don't think I require any additional plans or add-ons.
Prasad Rao Rayavarapu

Prasad Rao Rayavarapu

Visakhapatnam

star

5

Quick policy issuance

The journey of purchasing Health insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. It aligns well with what I needed from an insurance policy. Currently, I don't think I require any additional plans or add-ons. I found the entire process trustworthy and efficient.
Ramachandran

Ramachandran

Villupuram

star

5

Quick policy issuance

The journey of purchasing Health insurance from Reliance (now IndusInd) felt effortless and user-friendly. The plan offered exactly the type of coverage I was expecting. No complementary product was necessary for me at this stage. The process felt reliable and I would recommend it to others.
Sanjit Kumar Tiwari

Sanjit Kumar Tiwari

Vaishali

star

4

Seamless digital experience

The journey of purchasing health insurance felt effortless and user-friendly. The coverage provided matches my expectations and feels comprehensive.
Vishanth  K

Vishanth K

Uttara Kannada

star

5

Quick policy issuance

From the start to the conclusion, the Reliance (now IndusInd) experience of acquiring my health insurance was straightforward. It aligned well with my requirements and felt personalized to my situation.
Akk Amma Anand Kumarsiddanavar

Akk Amma Anand Kumarsiddanavar

Uttara Kannada

star

5

Quick policy issuance

I recently purchased my health insurance from Reliance (now IndusInd) and found the experience very smooth. It met my requirements well and felt tailored to my needs. No complementary product was necessary for me at this stage.
N Amitha Ramesh

N Amitha Ramesh

Tumakuru

star

5

Quick policy issuance

From start to finish, the process of getting my Health insurance was convenient. The plan offered exactly the type of coverage I was expecting. A printed copy of the policy papers would make the Reliance Insurance Company (now IndusInd Insurance Company) experience even better. I found the entire process trustworthy and efficient.
Ramakrishna Prasadvadala Setty

Ramakrishna Prasadvadala Setty

Trimulgherry

star

5

Quick policy issuance

From start to finish, the process of getting my health insurance was convenient. It aligns well with what I needed from an insurance policy. I did not feel the need for any other products at this time. The convenience and clarity made this a good Reliance Insurance (now IndusInd Insurance) experience.
Prasanna Lakshmi Kuruganti

Prasanna Lakshmi Kuruganti

Trimulgherry

star

5

Quick policy issuance

Buying a health policy through the platform of Reliance Insurance (now IndusInd Insurance) was straightforward and quick. The plan offered exactly the type of coverage I was expecting. No complementary product was necessary for me at this stage.
Indumathi  Indumathi

Indumathi Indumathi

Tiruvannamalai

star

5

Quick policy issuance

I recently purchased my health insurance from Reliance Insurance (now IndusInd Insurance) and found the experience very smooth. I felt that my protection needs were well addressed with this policy. No additional coverage seemed required for my needs.
Pandurangdah  M

Pandurangdah M

Tiruvallur

star

5

Quick policy issuance

From the very start to the finish, the procedure of getting my health insurance from Reliance General Insurance (now IndusInd General Insurance) was seamless. It addressed my requirements adequately and seemed tailored to fit my needs
C Jaikanth

C Jaikanth

Tiruvallur

star

5

Quick policy issuance

The journey of purchasing Health insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. The coverage provided matches my expectations and feels comprehensive. It would be helpful if a physical copy of the policy could also be provided. I'm happy with how everything went and feel secure with my policy.
Ramesh L

Ramesh L

Tiruvallur

star

5

Quick policy issuance

The journey of purchasing health insurance from Reliance Insurance (now IndusInd Insurance) felt effortless and user-friendly. I felt that my protection needs were well addressed with this policy. No complementary product was necessary for me at this stage.
Nirmala Chell Appa

Nirmala Chell Appa

Tirunelveli

star

5

Quick policy issuance

The journey of purchasing Health insurance felt effortless and user-friendly. The coverage provided matches my expectations and feels comprehensive. No complementary product was necessary for me at this stage. Overall, it was a seamless Reliance Insurance Company (now IndusInd Insurance Company) experience and I am satisfied.
Ganesan  Aarathi

Ganesan Aarathi

Tiruchirappalli

star

5

Quick policy issuance

From start to finish, the process of getting my health insurance from Reliance (now IndusInd) was convenient. I felt that my protection needs were well addressed with this policy.
Saji  Chandran

Saji Chandran

Thrissur

star

5

Quick policy issuance

Buying a Health policy through the platform of Reliance Insurance (now IndusInd Insurance) was straightforward and quick. It aligns well with what I needed from an insurance policy. I did not feel the need for any other products at this time.
Grace Mathew

Grace Mathew

Thrissur

star

4.5

Seamless digital experience

I had a positive overall experience while applying for Health insurance. It aligns well with what I needed from an insurance policy.
Anoop T M

Anoop T M

Thrissur

star

5

Quick policy issuance

I had a positive overall experience while applying for Health insurance from Reliance General Insurance (now IndusInd General Insurance). The coverage provided matches my expectations and feels comprehensive. Overall, it was a seamless experience and I am satisfied.
Kencysam Sr Kency Samsr

Kencysam Sr Kency Samsr

Thiruvananthapuram

star

5

Quick policy issuance

From beginning to end, obtaining my health insurance was a smooth Reliance (now IndusInd) experience. It aligned perfectly with my needs and seemed customized just for me.I am satisfied with the main policy and don't see a need for extras. I found the entire process trustworthy and efficient.
Wafa Mol R N

Wafa Mol R N

Thiruvananthapuram

star

5

Quick policy issuance

I liked how the platform offered clear comparisons. It helped me understand the differences and choose confidently.
Vinoth  R

Vinoth R

Thanjavur

star

5

Quick policy issuance

From the very beginning to the very end, the process of obtaining my health insurance from Reliance General Insurance (now IndusInd General Insurance) was easy and efficient. It met my needs thoroughly and felt specifically designed for me.
Sampada Vijay Jagdale

Sampada Vijay Jagdale

Thane

star

5

Quick policy issuance

From start to finish, the process of getting my Health insurance from Reliance Insurance Company (now IndusInd Insurance Company) was convenient. The plan offered exactly the type of coverage I was expecting. I am satisfied with the main policy and don't see a need for extras. I found the entire process trustworthy and efficient.
Geetanjali Ganpat Namaye

Geetanjali Ganpat Namaye

Thane

star

5

Quick policy issuance

The health insurance experience was smooth and reassuring. I felt like I was making an informed choice without pressure.
Bibinagar Sureshchary

Bibinagar Sureshchary

Telangana

star

5

Quick policy issuance

From the initial stage to the final step, the procedure of securing my health insurance from Reliance Insurance (now IndusInd Insurance) was straightforward. It fulfilled my expectations admirably and felt personalized to suit my needs.
Pawan Kumar

Pawan Kumar

Tarn Taran

star

5

Quick policy issuance

Buying health insurance was a pleasant surprise. The platform was easy to use, and the policy I selected felt well-suited to my needs.
Modugusatish Reddy

Modugusatish Reddy

Suryapet

star

5

Quick policy issuance

I have just secured my health insurance and realized that the entire Reliance Insurance Company (now IndusInd Insurance Company) experience was extremely efficient. It fits my insurance policy needs perfectly.
Kanakai Ahgudipati

Kanakai Ahgudipati

Suryapet

star

5

Quick policy issuance

I had a smooth experience buying health insurance. The platform guided me through each step, and the coverage felt comprehensive.
Hiralsagar Bhaisardhara

Hiralsagar Bhaisardhara

Surat

star

5

Quick policy issuance

The journey of purchasing health insurance from Reliance General Insurance (now IndusInd General Insurance) felt effortless and user-friendly. The coverage provided matches my expectations and feels comprehensive. Currently, I don't think I require any additional plans or add-ons.
Amit Bhaidurlabh Bhai Rajpara

Amit Bhaidurlabh Bhai Rajpara

Surat

star

5

Quick policy issuance

I recently purchased my health insurance from Reliance Insurance Company (now IndusInd Insurance Company) and found the experience very smooth. The coverage provided matches my expectations and feels comprehensive. No additional coverage seemed required for my needs.
Ankur Kotnala

Ankur Kotnala

Surat

star

5

Quick policy issuance

I had a positive overall experience while applying for Health insurance from Reliance (now IndusInd) . It aligns well with what I needed from an insurance policy. No additional coverage seemed required for my needs.
Anil Kumar Ram Sringarsaroj

Anil Kumar Ram Sringarsaroj

Sultanpur

star

5

Quick policy issuance

The journey of purchasing health insurance felt effortless and user-friendly. It met my requirements well and felt tailored to my needs.
Marxia Tamil Selvan

Marxia Tamil Selvan

Sivaganga

star

5

Quick policy issuance

The health insurance process was straightforward and reliable. I felt confident in the coverage and appreciated the overall flow.
Prasad  Nangunoori

Prasad Nangunoori

Siddipet

star

5

Quick policy issuance

Buying a health policy through the platform of Reliance General Insurance (now IndusInd General Insurance) was straightforward and quick. I felt that my protection needs were well addressed with this policy. I found the entire process trustworthy and efficient.

Author - Amount Health Insurance

IndusInd General Insurance

IndusInd General Insurance

Aapke Protection ka All-rounder

IndusInd General Insurance is one of the leading general insurance companies in India. The Company offers a well-rounded and comprehensive bouquet of products including Motor Insurance, Health Insurance, and Travel Insurance, and offers customised solutions to meet the protection needs of each customer.

Homepage alternate CX

Health Insurance - Disclaimer

Disclaimer: Health insurance coverage is subject to policy terms, conditions, exclusions, waiting periods, sub-limits, co-payments, deductibles and underwriting guidelines. Benefits, add-ons, discounts and eligibility criteria vary by product, plan, sum insured, age and family composition. Certain products provide fixed benefit payouts and are not indemnity-based reimbursement policies.

Applicable UINs:
Health Infinity – RELHLIP23120V042223 | Health Gain UIN: INIHLIP26040V042526 | Health Super Top-Up – RELHLIP21617V012021 | Health Global – IRDAN103RP0001V01202324 | Personal Accident 360Shield – RELPAIP25035V022425 | Hospi Care – RELHLIP20027V012021

For detailed disclosures, premium illustrations and coverage limitations, please refer to the Health Insurance Disclaimer page.

AI Content Summarizer

ai-summarize-icon

AI generates summaries.

Get a summary of this page using AI. Discover key insights that enhance your understanding.

Asset Publisher

Asset Publisher

Frequently Asked Questions (FAQs)

Can consumables cover be added to an existing health insurance policy?

Yes, you can contact your health insurance company to add consumables coverage to your existing plan. They will inform you about the cost of this add-on and other eligibility requirements. You can carefully review these details before confirming whether you need this add-on.

What are the exclusions of consumables cover?

Even with consumables coverage, certain items might not be covered, such as toiletries, tissues, or cosmetics for personal use. The list also includes food and beverage expenses for attendees, baby products like wipes, diapers, etc.

How do I confirm whether my health insurance covers the cost of consumables or not?

To confirm consumable coverage, you must carefully go through your medical insurance policy document. Consider referring to our website or IndusInd Insurance Application to search for this information. You can also contact our customer support team by calling +91 22 48947001 between 9 AM and 7 PM every day.

What are the benefits of opting for consumables cover?

The primary benefit of availing a consumable cover is that it significantly reduces out-of-pocket expenses whenever you require surgery or extended periods of hospitalisation. This rider can provide you with maximum financial protection in times of unforeseen medical crises.

Is food covered in health insurance?

No, regular health insurance plans do not cover your personal food costs when you are hospitalised. Your insurer does not cover food costs, as per IRDAI guidelines, because food is not a medical item and does not directly help with medical treatment. If you require additional coverage for non-medical costs associated with hospitalisation, such as travel, food, or additional medication, you can consider purchasing our Hospi Care Insurance policy.

IndusInd Footer

Footer Download SelfI App

phone

Download our IndusInd General Insurance App now!

Locate Us

Footer Social Icons

Menu Display

Self Help Video Chat

Menu Display

Menu Display

Menu Display

Menu Display