One room limit. It resizes the whole bill.
A room rent cap fixes the most you can spend per day on the bed. Cross it and the insurer does not just trim the room charge. It settles every linked charge in the same proportion. Illustrative claim on a Rs 5 lakh policy with a 1 pct daily room cap.
| Line on the bill |
Billed |
Paid |
| Room . 5 nights | 50000 | 25000 |
| Surgery nursing OT | 250000 | 125000 |
| Medicines implants tests | 100000 | 100000 |
| Total | 400000 | 250000 |
Eligible room was Rs 5000 a day, 1 pct of the 5 lakh cover. He took a room at 10000. Double the cap. So the claim settles at 50 pct, and that half rides straight through every charge that moves with the room. Surgery, nursing, the operation theatre. Only the medicines, implants and tests are spared. A 5 lakh cover paid like 2.5 the day it mattered. He wrote the last Rs 150000 himself.