Compare & Buy Car, Bike and Health Insurance Online - InsuranceDekho
Claim, renew, manage & moreLogin

Health insurance without Room Rent Capping

No room rent capping in health insurance means that the insured can choose any hospital room to avail of the required treatment. Simply put, there is no limit on the room rent in this case. The insured can select the hospital room for treatment of the ICU, if required, for as long as the amount claimed is up to the sum insured limit under the health insurance plans.

must dot
5 Lac coverage starting from only ₹257/Month*
5 Lac coverage starting from only ₹257/Month*
  • Tax Benefit
    Tax Benefit
    Up to 75000**
  • Claim Support
    Claim Support
    Everyday 10AM-7PM
  • 45 Lacs+
    45 Lacs+
    Happy Customers

*Standard Terms and Conditions Apply.

**Tax benefits are subject to changes in Income Tax Act.

There is generally a range of rooms available in hospitals to choose from when someone gets admitted for the required treatment. Under many health insurance plans, the health insurance companies give the insured a limit up to which they can pick the hospital and ICU room. For instance, there can be a double occupancy room, luxury room, deluxe room, etc which vary in terms of facilities offered and the rent paid for them.

Many health insurance companies impose restrictions on room rent, with the insurance company dictating the terms and conditions. The limit is determined regardless of the insured amount of the policy. The monetary limit, room rent capping, nursing, and boarding expenditures can all be calculated as a percentage of the total sum insured or as an exact number.For instance, room rent capping of 2% of the sum insured or of Rs. 3,000. A health insurance policy with no room rent capping is a preferred choice for policy buyers as it has no restrictions in terms of coverage.

Types of Room Rent Capping

Different insurance companies have different sets of rules when it comes to room rent and capping. But whatever the rules may be, they will be clearly specified in the policy document. In order to make the best buying decision, you must understand the common types of room rent capping in health insurance plans:

  • No capping room rent: Many health insurance plans come without any limit on the room rent. The policyholders have the flexibility to choose the room of their choice and requirement.
  • Co-payment on room rent: Co-payment is when the insurer and the insurance company partially pay for the claim for the treatment availed. Co-payment on room rent is when the insured and the insurance company bear the room rent expenses together.
  • Room rent with capping: The amount of room rent a policyholder can claim is frequently limited by insurance providers. If the expenses exceed this amount, the insurance company will decline to cover them.
  • Room rent on certain room types: Some insurance companies give policyholders the option of choosing their hospital room rent based on their needs and room rent availability.If a health insurance policy comes with a limit in room rent for specific room types, then you can either choose a room that is within the room limit or choose the one that exceeds the limit and pay for the expenses that exceed the limit, from your own pocket.
  • Room rent waiver add-on cover: This is an optional feature that policyholders can add to their health insurance plans at the time of purchase for a small additional price. The limit on room rent might be removed with this benefit, allowing the insured to receive treatment without worrying about the costs.

How No Room Rent Capping Feature Affects the Hospital Bill?

Let us take an example to understand how room rent capping reflects in hospital bills:

Bill with No Room Rent Capping

Bill with Room Rent Capping

Sum insured

Rs. 4 lakh

Sum insured

Rs. 4 lakh

Room rent cap

No room rent cap

Room rent cap

Room rent cap of 1% of sum insured, i.e. Rs. 4,000

Room chosen

Rs. 5,000 (private ward)

Room chosen

Rs. 5,000 (private ward)

Number of days hospitalised

5

Number of days hospitalised

5

Hospital bill (room rent expenses)

Rs. 25,000

Hospital bill (room rent expenses)

Rs. 25,000

Room rent covered by the insurance company

Rs. 25,000

Room rent covered by the insurance company

Rs. 20,000 (4,000*5)

In this case of a bill with no room rent capping, the insured will not be required to pay anything out of their own pocket. Whereas in case of bill with room rent capping, the insured will be required to pay the remaining amount i.e. Rs. 5,000 out of his own pocket.

Average Hospital Room Rent in India

To understand the average room rent charges for different hospital rooms in India, including ICU, refer to the table below:

Type of Hospital Room

Zone A

Zone B

Zone C

General ward

Rs. 1,432

Rs. 1,235

Rs. 780

Semi private ward (sharing of 2 or more)

Rs. 4,071

Rs. 3,097

Rs. 1,530

Private ward

Rs. 5,206

Rs. 4,879

Rs. 2,344

ICU

Rs. 8,884

Rs. 8,442

Rs. 6,884

(Source: medifee.com)

Note that the table is only for reference purposes and room rent charges may vary from hospital to hospital and city to city.

Benefits of Having No Room Rent Capping in Health Insurance

There are several benefits of having a health insurance policy without any room rent. Some of them are explained below:

1. Flexibility to choose a hospital room as per your requirement

One of the most significant advantages of purchasing a health insurance policy that does not have a room rent limit is that you can receive treatment in any hospital room of your choice. Every patient has varied needs and options, which may be limited by a health insurance plan that has a room rent cap.But with a health insurance policy without any room rent, one does not need to compromise. They can either choose to share a room or may want a private room.

2. Freedom to avail coverage benefits as per your own choice

Whether you receive necessary medical care in a basic hospital room or a deluxe hospital room, you will be covered for all expenses spent during your hospitalisation, according to your policy's terms and restrictions.Hence, it is totally up to you if and how you wish to divide the total amount. But note that the expenses will be covered only up to the sum insured limit.

3. Comfortable stay at the hospital

If you are availing of the medical treatment or are feeling sick, then you can stay in a room that offers you comfort, as per your choice.

It is important to purchase a health insurance plan with exhaustive coverage so that the policyholder is not underinsured. Therefore, it is recommended to get a health insurance policy with no room rent capping.

Health Insurance Calculator

Whom do you want the insurance for ?

You
Couple
Family
Father
Mother

Select the age of all members

  • You

Where do you live ?

Choose required Coverage for yourself?

2 Lac
3 Lac
5 Lac
10 Lac
25 Lac
Disclaimer : Actual Premium might vary basis your location, age and number of members
Save Tax upto ₹75000*
Under Section 80D

*Tax benefits are subject to changes in Income Tax Act.

Learn more about no room-rent-capping Health Insurance

FAQ About Health insurance without Room Rent Capping

  • What does capping mean in health insurance?

    Capping in health insurance refers to the limit, which is usually a percentage, up to which the insurance company settles claims for various hospital expenses. It is the maximum amount for which the policyholder can avail coverage benefits.  

  • How does having no room rent capping make a difference to my coverage benefits?

    If you have a health insurance policy with no room rent capping, then you have the flexibility to choose any hospital room that you want to avail treatment at, provided your health insurance policy offers cover for that treatment. Also, you will not be required to pay anything at the hospital provided the bill is within the sum insured limit of your policy. 

  • What is no room rent capping in health insurance?

    No room rent capping in health insurance means you can choose any room in the hospital for the treatment without any maximum room rent limit. Simply put, you can avail treatment, or ICU if required, in any hospital room that you want provided the total claim amount is up to the sum insured. 

  • What are the benefits of having no room rent capping in your health insurance?

    With no room rent capping in your health insurance policy, you can avail the required treatment in any hospital room of your choice, be it private, twin-sharing, deluxe, premium, or any other, for up to the sum insured limit. The flexibility keeps you stress free as you do not have to pay inflated charges on medicines, etc. when staying in a room of your choice.

  • What is the example of no room rent capping?

    To explain the concept of no room rent capping in health insurance, let us take an example. Suppose you have a health insurance policy with sum insured of Rs. 5 lakh and the policy comes with a room rent capping of Rs. 2,000 per day. Then you will not be able to rent a room which costs you more than Rs. 2,000 per day. And if you do so, then you will be required to pay the exceeding amount from your own pocket. But if you have a health insurance policy with no room rent capping, then there is no restriction and you can avail the treatment in any room for up to the sum insured limit. 

Insurance Dekho Contact Details

Reach us for help anytime

Health Insurance Companies User Reviews

What users are saying
  • I have the Star Health Insurance Policy, which is a family health insurance plan, and it has been incredibly b...

    Read More
    S
    Star
    By Sonakshi Sharma
    On: June 01, 2023
  • The Zuno Health Insurance Policy from InsuarnceDekho has the best premiums with awesome coverage. It's refresh...

    Read More
    A
    Zuno
    By Aaradhya Hegde
    On: June 01, 2023
  • I recently had a medical emergency, and my National Health Insurance Policy came through for me. I had taken t...

    Read More
    M
    National
    By Mihika Handa
    On: June 01, 2023
  • I recently switched my health insurance to the Niva Bupa Health Insurance Plan which I bought from InsuarnceDe...

    Read More
    A
    Niva Bupa
    By Aashvi Chopra
    On: June 01, 2023
  • The Care Health Insurance Plan that I secured from the InsuarnceDekho has provided all the costs and benefits ...

    Read More
    G
    Care
    By Garima Mahajan
    On: May 31, 2023

Health Insurance News