“Room Rent Limit – The Silent Cost Trap in Health Insurance”
🧾 Most people don’t realise this that the room you choose during hospitalization can decide how much of your bill gets paid by your insurer.
Here’s how it works 👇
If your policy has a room rent limit (say ₹5,000/day), and you choose a room that costs ₹10,000/day,
👉 then not just the room rent, but all associated charges (doctor fees, surgery, nursing, etc.) get proportionately reduced.
That means even with a ₹10 lakh sum insured, you might end up paying 40–50% of your bill from your own pocket.
✅ What to do:
Prefer plans with no room rent capping
Or, at least ensure the cap suits your city’s hospital rates
Review your existing policy today — small clauses can make big differences during claims
Awareness saves money. Fine print saves families.
#HealthInsurance #InsuranceAwareness #SmartProtection #KnowYourPolicy