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    Health Insurance

    Consumables Plus Rider

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    Key Features

    From Hospitalisation to Wellness—All Covered in One

    Coverage Highlights

    Essential protections that keep you covered, always

    • Policy Tenure (Up to 5 Years)

    Get long-term protection for up to 5 years with flexible multi-year options.

    • Consumables Plus

    Wider list of non-medical items is covered, reducing out-of-pocket costs during hospitalisation.

    • Global Coverage

    International treatment support for globally mobile customers.

    • Future-proof Features

    Benefits like Age Shield, StepUp Benefit, Smart Tenure, and Super Cumulative Bonus are available to keep your plan relevant as your life evolves.

    • Wellness & OPD Support

    Coverage for teleconsultations, lab tests, dental, fitness, and emotional wellness with Health Prime Rider (HPR) at an additional cost.

    • Health Limitless

    Option to cover the cost of hospitalisation or a catastrophic medical event once, with no sum insured limit.

    • Note

    Please read policy wording for detailed terms and conditions.

    Inclusions

    What’s covered?

    • Hospitalisation Cover

    Covers all major hospitalisation expenses, like room rent, ICU, doctors' fees, surgery costs, medicines, implants, and diagnostic tests, if the insured is admitted for more than 24 hours.

    • Pre- & Post-Hospitalisation Costs

    Medical expenses up to 60 days before hospitalisation and expenses up to 90 days after discharge for the same illness are covered.

    • Day Care Procedures

    Covers medical procedures (such as cataract surgery, minor surgeries, etc.) that need less than 24 hours of hospitalisation due to technological advancements.

    • Modern Treatment Methods

    Covers advanced procedures such as robotic surgeries, oral chemotherapy, immunotherapy injections, stem cell treatments for eligible conditions, and other listed modern treatments.

    • AYUSH Treatment

    Covers AYUSH treatments (ayurveda, yoga, naturopathy, Unani, Siddha, homeopathy) when hospitalised for more than 24 hours.

    • Ambulance Cover

    Covers emergency ambulance transportation to the nearest hospital or for hospital-to-hospital transfer.

    • Domiciliary Hospitalisation

    Covers medically necessary treatment at home when hospital admission is not possible (with a list of excluded illnesses).

    • Organ Donor Expenses

    Covers the organ donor's medical expenses related to organ harvesting, only when the insured is the recipient.

    • Family Visit

    If the insured is hospitalised 200+ km away from home, travel expenses for one family member to visit are covered (as per specified limits).

    • Cumulative Bonus

    Get a 25% increase in sum insured (up to 100% of sum insured) each claim-free year.

    • Unlimited Sum Insured Reinstatement

    If the sum insured is exhausted, it gets refilled unlimited times in the same policy year for new health events (as per the policy conditions).

    • Note

    Please read policy wording for detailed inclusions.

    Exclusions

    What’s not covered?

    • Waiting Period

    An initial waiting period right after policy issuance is applicable for pre-existing diseases, and an additional waiting period for specific illnesses or procedures (as per the policy details) also applies.

    • Standard Policy Exclusions

    Certain treatments, services, or items may not be covered under the policy (as these fall under standard exclusions) or may have restricted coverage based on the modified terms upon addition of any add-ons/riders.

    • Non-Medical Items

    Expenses on non-medical items are generally not covered under the policy. However, if you choose to add a consumables cover or rider, some of these items may be included, but only as specified in the policy’s list or annexure.

    • International Treatment Conditions

    Treatment outside India is not covered by default and is only included if you opt for an International or Global coverage option. Coverage for treatment outside India is subject to meeting the policy’s eligibility criteria and specific terms and conditions.

    • Note

    Please read policy wording for detailed exclusions.

    Additional Covers

    What else can you get?

    • Global Cover (Planned + Emergency)

    Coverage for planned and emergency treatment abroad (as per the eligible sum insured slabs and co-pay options apply).

    • Age Shield

    Pay the premium amount that was set as per the entry age at the time of policy inception until a claim is paid.

    • StepUp Benefit

    Option to enhance the existing sum insured (at first policy renewal) to the next available slab for sum insured without starting the waiting period again.

    • Smart Tenure

    Consolidates the total sum insured available during a multi-year policy for the insured.

    • Health Limitless

    For one claim, a high-cost hospitalisation can be paid without the annual sum insured capping.

    • Consumables Expenses

    Coverage for specified consumables/non-medical items as per the policy.

    • Super Cumulative Bonus (SCB)

    Get 100% cumulative bonus for each claim-free year. The sum insured can be increased up to 600% during a 5-year policy.

    • Major Illness & Accident Multiplier

    Coverage for medical expenses up to twice the sum insured amount for listed events in the policy.

    • Health Prime Rider

    Coverage for cashless OPD services such as teleconsultations, lab tests, and dental procedures.

    • Specialised Riders

    Option to add some specialised riders like NRInsure, Insta Shield, Fetal Flourish, and more.

    • Air Ambulance

    Air ambulance evacuation in life-threatening emergencies within India (coverage is up to ₹10 lakh).

    • Note

    Coverage, limits, sub-limits, deductibles, co-pays (if any), and waiting periods apply as per the policy schedule.

    Privacy Policy

    I/We hereby give voluntary consent to BGIL/Company to share my/our personal information and data provided in this proposal form with its group companies or any other person in connection with the Insurance Policy or otherwise, including for providing products and services of group companies that may be of interest to me/us, to be used in accordance with their respective privacy policies and subject to appropriate measures being in place to safeguard my/our personal information.
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    What is the Consumables Plus Rider?

    Healthcare expenses go beyond hospital room charges and treatment costs. In fact, seemingly small expenses for syringes, gloves, masks, or other consumables can quickly add up to your overall out-of-pocket expenses.

     

    Especially considering the rising medical inflation in India, which is around 12%-15%, it can create an unexpected financial burden on you during medical emergencies.

     

    This is why Bajaj General Insurance offers the specialised Consumables Plus rider. With this additional coverage, you can help minimise your overall expenses, ensuring that you can focus on recovery while we help take care of the additional healthcare costs.

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    Quick Overview

    • 1

      Included Non-Medical Items: Under MHCP Edge Plus consumables rider cover items, such as syringes, masks, gloves, cottons, and bandages are covered.

    • 2

      Why it is Important: A consumable plus rider cover reduces your out-of-pocket costs during hospitalisation.

    • 3

      Who Needs to Buy: Individuals requiring frequent hospitalisation or seeking broader medical protection must purchase this rider.

    • 4

      About Bajaj’s Plan: Bajaj General consumables plus rider offers all-around financial protection with an easy digital purchasing process.

    • 5

      Policy Integration: You must add the consumable plus rider while purchasing or renewing your base health insurance policy.

    • 6

      Sum Insured Limit: Your base policy must have a sum insured of at least ₹10 Lakhs to include this rider.

    Read More

    What Are Non-Medical Consumables in Health Insurance?

    Non-medical consumables in health insurance refer to essential items that are used during hospitalisation but often excluded from standard policies.

    These may include gloves, masks, syringes, PPE kits, cotton, bandages, and sanitisation supplies. Although the price of these items seems cheap individually, their cumulative cost can increase your final hospital bill.

    This is why consumables plus a health insurance rider help cover these expenses to ensure you remain completely secured financially.

    What Does Consumables Plus Cover?

    The consumables plus rider of Bajaj General Insurance generally covers the following items.
    1
    Masks and gloves used during treatment procedures.
    2
    Syringes, needles, and cannulas are required for medical care.
    3
    Cotton, bandages, wound dressings, and surgical blades.
    4
    Catheters, tubing, and oxygen masks are used during hospital stays.
    5
    Sanitisers, disinfectants, wipes, and other hygiene essentials.
    6
    Nebulisers, oxygen cylinders, and select treatment-related consumables.
    7
    Alcohol swabs, PPE kits, and Glucometer strips are also covered.
     

    Key Benefits of Consumables Plus

    From reducing overall expenses to providing enhanced medical protection, the range of consumables covered under health insurance in India can be highly beneficial for policyholders.

    1

    Reduces Hospital Expenses

    During a surgical procedure or emergency care, consumable items, like syringes or oxygen cylinders, can be a greater part of hospital bills. However, with this rider, you can reduce your overall cost by covering eligible items.

    2

    Enhances Existing Health Cover

    One of the key benefits of consumable plus riders is that they provide an additional financial safety net for treatment-related expenses. So, add this rider to enhance the protection of your existing policy.

    3

    Increases Financial Preparedness

    Medical emergencies often come with unexpected expenses that can drain your years of savings. This is why, with the consumable rider in health insurance, you protect your hard-earned money from unplanned charges.

    4

    Valuable for Long Hospital Stays

    Consumables cover health insurance in India is highly effective in reducing your expenses during long hospital stays. This is because extended hospitalisation often requires daily usage of dressings, tubing, gloves and cleaning supplies.

    5

    Supports Infection Control Costs

    In cases of high infection risk, hospitals often use more PPE kits, masks, and disinfectants, resulting in higher treatment costs. But with the consumables plus rider, you can minimise the costs without compromising your safety.

    6

    Minimizes Claim Deductions

    Many consumable items are typically excluded from standard health insurance settlements, leading to deductions at discharge. The Consumables Plus rider covers eligible non-payable items, helping reduce unexpected out-of-pocket expenses and ensuring smoother claim settlements.

    Who is Eligible for Consumables Plus Rider?

    The eligibility criteria will determine the requirements to purchase the consumables plus rider at Bajaj General Insurance. It includes.

    Eligibility Criteria Specifications

    Sum Insured Limit

    The MHCP Edge Plus consumables rider is only available for policies with a coverage amount of ₹10 lakh or more.

    Base Policy Requirement

    You must have an active individual or family floater policy with Bajaj General Insurance to add this rider.

    Age Requirements

    An individual over 18 years can get this rider. Additionally, you can also add dependent children aged 3 months to 30 years.

    Geographical Limit

    You can get the benefits of this rider only in the network and non-network hospitals across India.

    Timing for Purchasing 

    While purchasing or renewing your health insurance policy, you can add this rider, as it generally can not be added during the middle of the policy term.

    Cashless Eligibility 

    If you want to cover consumable expenses through the cashless hospitalisation facility, it is essential to be admitted to a network hospital.

    Waiting Period for Activation

    Policyholders with pre-existing diseases have to serve a waiting period of 12 to 36 months to get the consumable plus rider benefit.

    Why Choose Consumables Plus?

    Choosing coverage for non-medical consumables in health insurance is essential due to the following reasons.

    • Reduces Coverage Gap

      Since standard health insurance plans may not cover non-medical consumables such as gloves, masks, syringes, and dressings, the consumables plus riders help bridge this gap. Therefore, these essential treatment-related costs do not strain your finances.

    • Cashless Treatment Facility

      Eligible non-medical consumables can also be availed through the cashless facility at network hospitals. In fact, with Bajaj General Insurance, you can access these facilities across 18,000+ network hospitals nationwide, reducing your out-of-pocket costs.

    • Ensures High-Quality Treatments

      Sometimes, for high hospital bills with consumable charges, people can compromise on the quality of treatment. However, if you have health insurance with consumable cover, you can easily afford the best quality treatments without upfront payment.

    • Supports Smooth Claims

      Eligible consumable expenses are processed as part of an admissible hospitalisation claim under the base policy. Therefore, as a result, policyholders generally get a higher payout during the claim settlements.

    • Protection from Inflation

      The rising medical inflation is resulting in high costs of medical supplies. This is why choosing this rider is essential. Especially during frequent hospitalisation, it will protect your finances from the sudden spikes in healthcare commodities.

    • Greater Peace of Mind

      Medical emergencies are stressful enough even without unexpected expenses. This is why having the consumables plus rider will give you greater reassurance with enhanced financial security.

    Consumables Plus vs Standard Health Insurance – What's Different?

    While standard health insurance covers major medical expenses, understanding how the consumables plus rider fills the gaps can help you choose your coverage more wisely. Here's how the two differ.

    Features Standard Health Insurance Consumables Plus Rider

    Coverage Scope

    Offers coverage for the eligible medical expenses arising from hospitalisation.

    Coverage is limited to non-medical consumables used during hospitalisation.

    Consumable Expenses

    Generally excludes consumable items such as gloves, masks, syringes, and dressings.

    Helps cover listed consumable expenses during hospitalisation.

    Type of Benefit

    Serves as the primary health insurance cover.

    Acts as an additional benefit which enhances the protection of the base health policy.

    Out-of-Pocket Costs

    Policyholders will need to pay for excluded consumables themselves.

    Non-medical consumables are covered along with other medical expenses, reducing out-of-pocket expenses.

    Claim Requirement

    Hospitalisation claims are processed as per policy terms.

    Consumable expenses are payable only if they are linked to the hospitalisation claim.

    Sum-Insured Limit

    Policyholders will get the flexibility to choose the sum insured they want.

    To this coverage, policyholders have to get coverage up to the required limit. (E.g. ₹10 Lakh)

    Purpose

    Helps you manage significant healthcare expenses during medical emergencies.

    Amis to bridge the coverage gaps of your base policy and minimise unexpected hospital bills.

    Download Policy Documents

    To access your policy documents in minutes, click on the following section. From policy wording to proposal forms, get the soft copies directly to your device.

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    Brochure
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    Policy Wordings
    -

    Proposal Form
    -

    Claims Form
    -

    Customer Info Sheet
    Download

    What are the Documents Required for Consumables Plus?

    While purchasing the MHCP Edge Plus consumables rider with Bajaj General Insurance, you may need to provide the following documents:
    1
    Duly completed proposal form with accurate personal details.
    2
    Valid identity proof, such as an Aadhaar Card or a PAN Card.
    3
    Age proof of the beneficiary and other insured members.
    4
    Address proof, such as a utility bill or a bank statement.
    5
    Existing health insurance policy details for portability, if applicable.
    6
    Medical reports or health declarations, if requested during underwriting.
    7
    Recent passport-size photographs.
    Note: The exact documentation requirements may vary depending on your base policy and sum insured.

    Step-by-Step Guide

    How to Buy Consumables Plus Online?

    How to Buy

    • 1

      Visit Bajaj General website

    • 2

      Enter personal details

    • 3

      Compare health insurance plans

    • 4

      Select suitable coverage

    • 5

      Check discounts & offers

    • 6

      Add optional benefits

    • 7

      Proceed to secure payment

    • 8

      Receive instant policy confirmation

    Buy Now

    How to Renew

    • 1

      Login to the app

    • 2

      Enter your current policy details

    • 3

      Review and update coverage if required

    • 4

      Check for renewal offers

    • 5

      Add or remove riders

    • 6

      Confirm details and proceed

    • 7

      Complete renewal payment online

    • 8

      Receive instant confirmation for your policy renewal

    Renew Now

    How to Claim

    • 1

      Notify Bajaj General about the claim using app

    • 2

      Submit all the required documents

    • 3

      Choose cashless or reimbursement mode for your claim

    • 4

      Avail treatment and share required bills

    • 5

      Receive claim settlement after approval

    Claim Now

    How to Port

    • 1

      Check eligibility for porting

    • 2

      Compare new policy benefits

    • 3

      Apply before your current policy expires

    • 4

      Provide details of your existing policy

    • 5

      Undergo risk assessment by Bajaj General

    • 6

      Receive approval from Bajaj General

    • 7

      Pay the premium for your new policy

    • 8

      Receive policy documents & coverage details

    Port Now

    Frequently Asked Questions on Consumables Plus

    What is the Consumables Plus Rider?

    The Consumables Plus Rider is a specialised optional benefit offered by Bajaj General Insurance to cover the eligible non-medical consumable expenses incurred during admissible hospitalisation under the base health insurance policy.

    Why should I opt for the Consumables Plus Rider?

    The consumables plus rider helps you reduce your out-of-pocket costs during hospitalisation and enhances the overall protection of your health insurance policy.

    What are hospital consumables?

    Hospital consumables are non-medical items used during treatment and hospitalisation, which are often excluded from standard health insurance coverage. It generally includes gloves, masks, syringes, bandages, and disinfectants.

    Is Consumables Plus available as a standalone policy?

    No, consumables plus is not available as a standalone policy. You can only purchase it as an add-on rider with an eligible Bajaj General Insurance health insurance policy.

    Does Consumables Plus cover emergency hospitalisation?

    Yes, consumables plus cover includes eligible non-medical consumable expenses incurred during emergency hospitalisation. However, to get the coverage, you have to add it to the base health insurance policy.

    Are consumable expenses covered under standard health insurance?

    No, standard health insurance policies generally do not cover non-medical consumable expenses. The coverage in standard policies is limited to medical expenses, such as ICU charges or doctor's fees.

    Can I avail cashless treatment with Consumables Plus?

    Yes, you can avail a cashless treatment with consumables plus at network hospitals. Here, the insurer will directly settle eligible consumable expenses along with admissible hospitalisation costs.

    Does the rider cover daycare treatments?

    Yes, consumables plus health insurance rider will cover eligible consumable expenses incurred during daycare treatments, which generally require less than 24-hour hospitalisation.

    Who can purchase the Consumables Plus Rider?

    Policyholders aged between 18 and 65 years who have an active policy with a sum insured of ₹10 lakh or more can purchase the consumable plus rider from Bajaj General Insurance.

    What is the minimum sum insured required for Consumables Plus?

    Under Bajaj General Insurance's My Health Care Plan EDGE+, the minimum sum insured required for the Consumables Plus Rider is above ₹10 lakh.

    Up to what limit are consumable expenses covered?

    The consumables expenses in our consumables plus health insurance rider are covered up to your sum insured. In fact, no separate sub-limit applicable to this rider.

    Can I add Consumables Plus during policy renewal?

    Yes, you can opt for the consumables plus rider at the time of policy renewal. However, it is subject to eligibility criteria and will increase your renewal premium by providing additional coverage.

    Are all hospital consumables covered under the rider?

    No, not all hospital consumables are covered under the consumables plus rider. We will only cover the eligible items specified in the policy wording.

    Is there a waiting period for Consumables Plus?

    Yes, since consumables plus rider is part of the base health insurance policy, it's subject to pre-existing disease waiting periods of up to 36 months, except for accident-related hospitalisation claims.

    Can family floater policyholders opt for Consumables Plus?

    Yes, policyholders with family floater health insurance can also opt for the consumables plus rider if they fulfil the required eligibility criteria (e.g. sum insured above ₹10 lakh).

    How can I buy Consumables Plus online?

    From Bajaj General Insurance, you can purchase the consumables plus rider online during the purchase or renewal of the eligible policies. You can easily complete the process online via our website.

    Does Consumables Plus cover PPE kits and gloves?

    Yes, under the consumables riders benefit or add-on cover from Bajaj General Insurance, you can get coverage for PPE kits and gloves.

    Can I claim consumable expenses separately from hospitalisation expenses?

    Although you can claim consumable expenses with the specialised rider, they are generally processed along with your base hospitalisation claim rather than as a completely separate claim.

    How do I initiate a cashless claim at a network hospital?

    Present your health card at the network hospital. The hospital will send a pre‑authorisation request to the insurer, and once approved, the bills will be settled directly without upfront payment.

    What documents are required for a reimbursement claim?

    You need hospital bills, discharge summary, prescriptions, diagnostic reports, and payment receipts. These documents must be submitted to the insurer within the specified time frame for claim processing.

    How long does it take for a claim to be settled?

    Cashless claims are usually approved within hours, while reimbursement claims are settled within 7–15 working days after submission of complete documentation. However, this is subject to the terms and conditions of the insurance provider.

    What is the time limit to notify Bajaj General after an emergency hospitalisation?

    You must notify the insurer within 24 hours of emergency hospitalisation to ensure smooth claim processing and approval.

    Can I claim for pre‑ and post‑hospitalisation expenses separately?

    Yes, pre‑hospitalisation expenses (up to 60 days before admission) and post‑hospitalisation expenses (up to 90 days after discharge) can be claimed separately, subject to policy terms.

    How do I find a network hospital for cashless treatment?

    You can check the insurer’s official website, mobile app, or customer helpline to locate the nearest empanelled network hospital for cashless treatment.

    What happens if my cashless claim request is rejected at the hospital?

    If a cashless claim is rejected, you can still file a reimbursement claim by submitting all required documents to the insurer after discharge.

    Is there a sub‑limit on room rent under MHCP EDGE+?

    Yes, coverage includes a single private A/C room. ICU charges are covered as per policy terms, but higher room categories may attract proportionate deductions.

    How are claims handled for treatment received outside India under the Global Cover?

    Claims under the Global Cover rider are settled as per international treatment rules, with a mandatory co‑pay applicable. Planned and emergency treatments abroad follow specific rider conditions.

    Will my premium increase after I make a claim?

    Premiums may increase based on underwriting after a claim. However, if you have the Age Shield rider, your premium remains locked at the entry age until a claim is made.

    Can I port my existing health insurance policy to MHCP EDGE+?

    Yes, you can port your existing health insurance policy to MHCP EDGE+ under IRDAI portability guidelines, subject to underwriting and continuity of benefits.

    Are there any long‑term policy discounts for choosing a 3 or 5‑year tenure?

    Yes, MHCP EDGE+ offers attractive discounts for long‑term tenures of 3 or 5 years, making coverage more affordable over time.

    What happens to my Cumulative Bonus if I make a claim during the policy year?

    The Cumulative Bonus reduces proportionately after a claim but is not lost entirely, ensuring continued benefit growth in future years.

    Can I upgrade my sum insured at renewal without a fresh waiting period?

    Yes, you can upgrade your sum insured at renewal. Waiting periods will apply only to the enhanced portion, not to the existing coverage.

    What is the grace period for renewing an expired MHCP EDGE+ policy?

    A grace period of 30 days is provided to renew an expired policy. Coverage benefits resume once renewal is completed within this timeframe.

    Can I add a new family member to the policy at renewal?

    Yes, new family members can be added at renewal, subject to underwriting and documentation requirements.

    Will my Age Shield benefit continue if I renew without a break?

    Yes, the Age Shield benefit continues seamlessly if renewal is done without a break in coverage.

    What discounts are available at the time of renewal?

    Renewal discounts include family, loyalty, wellness‑linked, and long‑term tenure benefits, helping reduce premium costs while maintaining comprehensive protection.

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