If a policy has a room rent cap, it can lead to proportionate deductions that could significantly reduce the reimbursement amount of your insurance. Corporate health covers often include room rent limits, specifying the maximum daily cost they will cover for hospital stays. For example, if the cap is ₹5,000 a day and you choose a room for ₹8,000, you will need to pay the difference out of pocket. Its impact goes beyond just room charges. Many hospitals link other costs, such as doctor's fees, procedure and ICU charges, to the room category. Opting for a higher-category room can proportionately increase these associated costs, leading to a much larger financial burden.
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