⛔️ AVOID This HIDDEN Trap | Room Rent Limit in Health Insurance | Insurance 101 | Ditto Insurance скачать в хорошем качестве

⛔️ AVOID This HIDDEN Trap | Room Rent Limit in Health Insurance | Insurance 101 | Ditto Insurance

Want FREE & Expert Insurance Advice? Book a FREE call with Ditto for Health and Term Insurance advice - https://ditto.sh/i80wrc Think your ₹5 lakh health insurance policy will cover everything during hospitalization? Think again. In today’s episode of Health Insurance 101, we’re exposing one of the most misunderstood and overlooked clauses in your health policy — Room Rent Limits. This tiny clause could be the reason why your ₹2 lakh hospital bill only gets a ₹1 lakh claim settlement. And yes, it happens more often than you think. In this video, we break down everything you need to know about room rent capping—how it works, how it can drastically reduce your claim, and how to avoid falling into this trap. If you're planning to buy health insurance or already have a policy, this episode could save you from a massive out-of-pocket expense. Let’s start with the basics: Room rent refers to the cost of your hospital stay per day—the room, the bed, nursing charges, and some basic services. Now, your insurer might place a cap on this cost. This can be: A fixed value (e.g., ₹3,000/day) A percentage of your sum insured (e.g., 1% of ₹5L = ₹5,000/day) Or a room category restriction like “Single AC room only” Now here’s the dangerous part — if you choose a room above your allowed limit, your insurer won’t just deduct the excess room rent. They may apply proportionate deduction across your entire bill. So instead of getting ₹2 lakh reimbursed, you might get only ₹1 lakh — all because your room cost ₹10,000/day instead of ₹5,000/day. Sounds harsh? It is. And it's why checking the room rent limit is as important as checking your sum insured. And no, this clause usually doesn’t apply to ICUs — but some policies do cap even ICU costs, so always double-check your policy wording. So who needs a policy with no room rent limit? If you live in metros or Tier 1 cities If you prefer private AC rooms or deluxe rooms If you’re buying a family floater with high coverage If you simply want full coverage without surprises — you need a plan with full room rent eligibility On the other hand, if you live in a smaller city, are okay with shared or semi-private rooms, or are looking for a budget plan — a capped policy might work. But even then, you must know what you’re signing up for. The good news? Many of the best health insurance plans today come with no room rent restrictions. Plans like: HDFC Ergo Optima Secure Care Supreme Aditya Birla Activ One Max Niva Bupa ReAssure 2.0 These let you choose any room category without affecting your claim. No proportionate deductions. No surprises. So here’s the golden rule — don’t just look at the ₹5L or ₹10L sum insured. Look for room rent limits, sub-limits, and other clauses that quietly eat into your claim. Because even the best policy on paper won’t help if your hospital stay triggers a room rent deduction. Still confused? Don’t worry. At Ditto, our advisors explain all of this in plain English and help you choose a policy that’s free of hidden traps. No spam. No upselling. Just honest guidance. Book a FREE call with Ditto’s IRDAI-certified advisors — and make sure your policy actually covers you when you need it most: https://ditto.sh/i80wrc And if you liked this video, don’t forget to check out the next episode in our Health Insurance 101 series — where we’ll tackle disease-wise sub-limits, another clause that silently cuts down your claim. Share this with someone who recently bought or is planning to buy health insurance. It could save them thousands during a hospital visit. Connect with Us: Follow us on Instagram:   / joinditto   Follow us on LinkedIn: https://www.linkedin.com/company/ditt... Tweet us your questions: https://x.com/joinditto Happy Insurance Hunting!