Answered: Does Room Rent Cap Affect Your Health Insurance Claim?

As healthcare costs continue to rise, it is crucial to understand the nuances of health insurance policies and their claims. A critical aspect of this is room rent capping, which can affect our health insurance claim. Many health insurance policyholders are unaware of the limits on room rent and how this factor can affect the overall settlement of their claims.

Here, we attempt to empower our readers with the knowledge they may need to navigate their health insurance claims effectively. Understanding room rent limit As the name implies, the room rent limit aka room rent capping is the cap your health insurer has imposed on paying for the daily room charges during your hospitalisation. This cap is usually a percentage of the sum insured you have chosen and may vary for shared rooms and private wards, depending on the insurer and your health insurance policy (standard health insurance, family health insurance, etc.

). If the room rent charge exceeds this limit, you must pay the difference. For example, if you have purchased a health insurance policy with a sum insured of ₹5,00,000 and the room rent limit in your plan is capped at 1%, then if the room rent is ₹6,000 per day, your insurer will pay ₹5,000 for your hospitalisation.

You must bear the remaining ₹1,000 per day out of your pocket. Types of room rent limit clause in health insurance 1. Portion sum insured As previously discussed, room rent capping is restricted to a certain percentage of the sum insured, usually .