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Can I Pick A Preferred Room In Hospital With My Existing Health Insurance Plans?

Published On Sep 14, 2022 10:00 AM By InsuranceDekho

When someone is admitted to a hospital for the necessary therapy, they typically have a selection of rooms from which to pick. Many health insurance plans allow the insured to select the hospital and ICU room up to a maximum amount which is set by the health insurance providers. For instance, there can be different types of rooms, such as deluxe, luxury, and double occupancy rooms, each with different amenities and rent requirements.

Many health insurance providers place limitations on room rental, mentioning the terms and conditions. Regardless of the policy's coverage amount, the maximum room rent limit is already pre-defined in terms of the percentage of the sum insured or a specific amount. 

Can I Pick A Preferred Room In Hospital With My Existing Health Insurance Plans?

How Long Is A Room's Rent?

The daily room charge cap is the maximum amount that a patient can claim reimbursement for if they are admitted to the hospital. The excess expense must be covered by the insured if the beneficiary chooses a room that is more expensive than the cap level. The maximum room rent will also affect the cost of the therapy and the fees charged by the doctors.

Most of the time, you do not select your hospital or the hospital room by searching. You would undoubtedly rush to the closest hospital in case of an emergency. If the hospitalisation is planned, the surgeon or doctor may have a say in the decision.

Different Room Rent Cap Types

When it comes to room rent and capping, different insurance companies have distinct sets of regulations. However, the policy paper will make clear whatever the rules may be. You need to be aware of the typical variations in room rent limits in health insurance plans in order to make the best purchasing decision:

  • No Room Rent Cap

Many health insurance policies do not impose any rent cap. The policyholders have the flexibility to choose the room of their choice and requirement.

The policyholders are free to select the accommodation that best suits their needs and preferences.

  • Room Rental Copayment

Co-payment is when the insurance provider and insurance company contribute to the cost of the claim for the service received. When the insured and the insurance provider split the cost of the hospital rental, this is known as co-payment.

  • Room Rent With Capping

Frequently, insurance companies place a restriction on the amount of room rent that a policyholder may claim. The insurance provider will not be liable  pay for any additional charges.

Rent for specific sorts of rooms: Some insurance providers allow policyholders to select the hospital room rent they choose based on their requirements and the room rent's availability. If a health insurance policy has a rent cap for a particular type of accommodation, you can either select a room that falls inside the cap. 

  • Add-On Cover For Room Rent Waiver

At a nominal additional cost, policyholders can add this provision to their health insurance plans at the time of purchase. With this benefit, the cap on room rent can be lifted, enabling the insured to obtain treatment without concern for the expense.


Since hospitals base their treatment costs on the rooms chosen, it is the policyholder's responsibility to select rooms that fall under their room rent cap limit. Rent restrictions are not applied to policies with a larger sum insured. It's crucial to understand how the sub-limits and co-payment clause affect the claim if you're looking for a policy with a lower sum protected.

Also Read: 

All About The Risks Associated With Having Cancer

Critical Illness Insurance Health Plan: How To Find An Appropriate Coverage Amount?


This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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