ow to Room rent capping is one of the most subtle tool of health insurance policy. It's wolf in sheep's clothing and make no mistake it is devised that way by insurers so as to find a sneaky way into your pockets i.e. the pockets of insured.
In Indore and across India the service charges are based on the room rent. if you avail general ward you OT charge per surgery/hour will be less as compared to if you have availed a single AC Pvt. Room for the same exact service.
But in policies after Covid primarily it has changed, companies have lifted the cap and added the either the room category or has lifted capping all together. in general if your policy is older you are in for a big surprise and technically at loss even without having to claim.
Click below to understand how the Room rent trap works.
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