health insurance policy, make sure that you understand how the room rent limit works as it may reduce your claim substantially.
Ajay Shah, Head – Distribution, Care Health Insurance said it is crucial to comprehend how hospitals classify their rooms - based on facilities and services provided such as shared rooms, single private rooms, standard or deluxe rooms, and so on.
The room rent type is specified in policy documents and will determine the type of room a policyholder is eligible for occupying at the time of hospitalisation. “Room rent proportionate charges comprise of certain deductions at the time of claim," said Ajay Shah.
These could be nursing charges, ICU expenses, Surgery charges, doctor's fees etc. These expenses are applicable for proportionate charges wherever room rent limit/type is exceeded, added Shah.