Why is everything in hospitals linked to the room you pick?
Let’s say your policy has a room rent limit of ₹5,000/day.
But during hospitalization, you choose a ₹10,000/day room (which honestly isn’t even luxury in many hospitals today).
Because your room is 2x the allowed limit, insurers don’t just reduce the room rent — they proportionately cut all related expenses.
Example breakdown:
- Room rent (5 days): ₹50K → insurer pays ₹25K
- Doctor fees: ₹40K → insurer pays ₹20K
- ICU/Nursing: ₹60K → insurer pays ₹30K
- Medicines/tests: ₹50K → insurer pays ₹25K
Total bill: ₹2L → you get only ₹1L covered
Half your claim gone, just because of room choice.
Why are doctor fees, ICU, and medicines even linked to room category? In cities, ₹5K/day rooms are barely available in decent hospitals
Have you or someone you know faced this “proportionate deduction” shock?