Nil deduction plans helps in reducing the deduction in bills payable at time of discharge from hospital.
usually 6 to 10% of bill amount is not paid by companies in normal health bima, but with such facility you can save a lot and thus such plans are recommended considering exepsive treatment costs.
SURGICAL ITEMS : like cotton, gloves, syringes, surgical tape, slings, braces, masks etc.
HOUSEKEEPING ITEMS : like toothbrushes, toothpaste, caps, belts, baby food, diapers, bags, slippers, tissue papers, combs, wet pipes etc.
ADMINISTRATIVE CHARGES : like certificates/ paperwork include daily health charts, prescriptions, death/birth certificates, medical records, visitor passes etc.
ROOM CHARGES : like telephone, television, air conditioner, attendant charges etc.
Consumables cover provides coverage for non-medical expenses incurred during hospitalization that are generally excluded under health insurance. It helps to significantly reduce out-of-pocket expenses without compromising on the quality of the treatment. Imagine you are undergoing a surgical procedure and at the time of discharge, you are handed over a bill, which is way more than what you had expected. You now have to pay for bandages, PPE kits, syringes, surgical gloves, and masks, among other consumables used in your treatment.
Your policy had listed them as exclusions when you bought it
Being well aware of some of the clauses can help you make make informed decisions that will increase the benefits you draw from your health insurance plans
What are Consumables?
Simply put consumables are medical items that are discarded after first use, furing treatment many such products are used and discarded, and add to treatment expenses.
The cost of such items deped on selection ofsuch items by hospital, the brand
of each product can differ and so the price range, such items may appear small but can slowly add to final bill easily by about 5% to 15% during prolonged hospitalisation due to severe illness.
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