Health Insurance without Room Rent Capping
Buying health insurance without a room rent cap allows you to choose any hospital room during treatment. With no limit on room rent, you can select the room of your choice, including the ICU, as long as the total claim stays within the policy’s sum insured.
Here's some context to help you understand better
When you’re admitted to a hospital for treatment, you can choose from the available hospital rooms. Most health insurers set a limit on the type of hospital or ICU room you can select.
For example, you can choose between a double room, luxury room, deluxe room, etc., each with different room rents. However, many health insurance companies include a room rent capping clause in their policies, which can also apply to ICU room rent.
What is the average hospital room rent cost in India?
| 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 costs mentioned above are for reference only and may vary between hospitals and cities.
Here’s an illustration to help you understand more easily. Let’s assume your basic health insurance has a sum insured of Rs 5 lakh, and you’re hospitalized for 4 days in Bangalore (Zone B city). Your policy includes a room rent capping of 1% of your sum insured, which is Rs 3,000 per day.
| Health Insurance with No Room Rent Capping | |
|---|---|
| Sum Insured | Rs 3 Lakh |
| Room rent cap | No capping |
| Number 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 |
According to the table above, with the room rent cap, you will end up paying Rs 4,000 more.
However, if your health insurance policy has no room rent cap, you won’t need to pay any extra amount, saving you from additional out-of-pocket expenses!
Benefits of having no room rent cap in your Health Insurance
Select a hospital room based on your needs
A key advantage of having no room rent cap in your health insurance is the freedom to choose any hospital room without restrictions. Every customer has different preferences, and selecting the room of your choice can greatly improve your hospital experience. You can decide whether to share your room with another patient or opt for a private one.
The flexibility to utilize health insurance according to your preferences
Whether you choose a deluxe room or a standard hospital room, your claim is processed based on the combined cost of your hospitalization and treatment. Without a room rent cap, you can allocate expenses as you see fit, whether for the room or the overall treatment. However, it's important to note that the total claim amount cannot exceed the sum insured.
Comfortable stay at the hospital
If you're feeling unwell or receiving treatment, it's important to stay in a room that provides comfort. You can choose a room that suits your preferences, ensuring a comfortable stay during your treatment.
Conclusion
That’s all about room rent capping. If you’re considering buying health insurance or already have coverage, make sure to check if there’s a room rent cap. Many modern health plans have no room rent cap, making getting the treatment you need easier.