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Health Insurance Glossary

Room Rent Limit

Room rent limit is a feature of health insurance policies that specifies the maximum amount that the insurer will pay for room charges in a hospital. This limit is usually expressed as a percentage of the sum insured or as a specific amount per day.

For example, if the policy has a room rent limit of 2% of the sum insured, and the sum insured is ₹5 lakhs, then the insurer will pay a maximum of ₹10,000 per day for room charges.

If the insured person opts for a room that is more expensive than the specified limit, they will have to pay the difference out of pocket. In some cases, the insurer may also reduce the amount paid for other medical expenses such as doctor's fees or diagnostic tests, based on the room charges.

It is important to carefully consider the room rent limit when choosing a health insurance policy, as it can significantly impact the overall coverage and out-of-pocket expenses. In some cases, it may be more beneficial to choose a policy with a higher room rent limit or no limit at all, especially if the insured person prefers to stay in a private or deluxe room. Therefore, it is important to review the policy documents carefully to understand the coverage and exclusions

For more details check out Room Rent Feature in Health Insurance article

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