What is room
rent restriction in health insurance: For huge
hospitalization expenses Health insurance could work like blessing in disguise.
But choosing a correct health insurance is tricky one as there are various sub
limits in health insurance and these sub limits can have severe impact on your
health insurance claim. One of them is Room rent capping.
Room rent capping: Room Rent Restriction in Health Insurance refers to the limitation of coverage for hospitalization expenses related to accommodation and boarding, such as food and beverages, laundry services etc., provided by the hospital or nursing home. This means that if you require staying at a private ward during your treatment then the health insurer will only cover up to a certain limit which has been pre-decided. The rest of the amount would have to be paid out of pocket by the policyholder. Hospitalization costs can quickly add up when one needs to stay in a private ward due to their medical condition. Room rent restrictions are put into place by most health insurers so they do not need to pay for all the additional amenities offered by hospitals and nursing homes. These restrictions vary from plan to plan but generally speaking, it’s usually limited to basic necessities like bedding, linen, furniture and air conditioning. Anything beyond this may not be covered under the terms of the policy. It should also be noted that some policies might offer partial coverage for luxury items such as cable TV, WiFi access.
If a policyholder chooses a room that exceeds the specified limit, He will have to bear the extra costs out of his own pocket. Now this extra cost not only include your room rent bill, but it will also reduce your bill for all your medical expenses like doctor fee, investigation report bills, other expenses apart from medicine bill.
So, check your room
rent limit.
References:: Data
from different Indian insurance websites and their policy documents
Pls comment for any further suggestion queries.
No comments:
Post a Comment