Health insurance without Room Rent Capping

Buying health insurance with no room rent capping makes it possible for you to pick any hospital room while undergoing treatment. As there is no capping on the room rent limit you can select a hospital room of your choice during hospitalization or for the ICU as long as the total claim amount is up to the policy sum insured.

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      Here is some context to help you understand better

      When you get admitted into a hospital for treatment you can select from a range of hospital rooms available at the time of admission. Mostly, health insurers keep a limit up to which you can select the hospital room and ICU room.

      For example, you can pick from a double hospital room, luxury room, deluxe room, etc. and the room rent of each room is different. However, many health insurance companies have a room rent capping clause in your policy, which can be ICU room rent capping as well.

      What is the average cost of Hospital Room Rent in India?

      Check out the below table to understand the average room rent costs for different hospitals rooms in India, including rent for ICU rooms:

      Types of Hospital Rooms

      Average Cost in Zone A

      Average Cost in Zone B

      Average Cost in Zone C

      Semiprivate Ward (2 or more sharing)

      Rs 4000

      Rs 3000

      Rs 1500

      Private Ward

      Rs 5200

      Rs 4800

      Rs 2300

      General Ward

      Rs 1400

      Rs 1200

      Rs 800

      ICU

      Rs 8800

      Rs 8400

      Rs 6800

      Note – The above costs are for reference purposes only and the costs may differ from one hospital to another and from one city to another. 

      Here is an illustration example to make it simple for you to understand. Assuming that your basic health insurance sum insured is Rs 5 lakh and you get hospitalized for 4-days in Bangalore (Zone B City) and policy has a room rent capping of up to 1% of your sum insured i.e. Rs 3,000 per day.

       

      Health Insurance with No Room Rent Capping

      Sum Insured

      Rs 3 Lakh

      Room rent cap

      No capping

      No of days Hospitalized

      4

      Room rent for the private ward (per day)

      Rs 6000

      Hospital room rent for 4 days

      Rs 24000

      Room rent to be paid by the Insurer

      Rs 24000

      You pay

      Rs 0

       As given in the above table here, with room rent capping, you will be paying Rs 4,000 more due to the room rent cap.

      But if your medical insurance policy doesn’t have capping on room rent, then you are not required to pay any extra amount and save any additional out-of-the-pocket expenses! 

      What difference does capping on room rent make to the hospital bills?

      Benefits of having No Room Rent Capping in your Health Insurance

      Check out the benefits of buying health insurance without room rent capping:

      Choose a hospital room as per your requirement: One of the major benefits of no room rent capping in your health insurance is that your room rent choice doesn’t get limited. The preferences of every customer are different and if you can pick a hospital room of your choice then you can make your experience at the hospital much better. It is up to you if you want to share your hospital room with one other patient or want a private room.

      Freedom to benefit from health insurance as per your choice: Whether you stay in a deluxe room or a basic hospital room, your claim is registered based on the total amount of your hospitalization and treatment expenses put together. With no limit on room rent capping, you can decide if you want to divide the expenses or spend it on the total treatment. And this is self-understood that the coverage limit or the total claim amount can only be up to the sum insured.

      Comfortable stay at the hospital: If you feel sick or being treated, then you must stay in a room that offers you comfort. You can decide on a room as you like and feel comfortable while undergoing the treatment.  

      Final words

      This was all about room-rent capping, and if you are planning to buy health insurance or already have a health cover then do check the room rent cap. Nowadays a lot of health plans come with no room rent cap and you can avail treatment with ease.

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