26/05/2026
Most people only check the sum insured when buying health insurance.
But one small detail can create a huge difference during a hospital claim:
Room eligibility.
A simple room upgrade can sometimes increase your out-of-pocket expenses because many hospital charges are linked to room category.
Here are 4 things every policyholder should know before their next hospitalization:
1️⃣ Choosing a higher room than your policy allows may reduce the claim payout.
2️⃣ Doctor visits, nursing, surgery fees, and other charges are often linked to room category — which means a bigger room can increase the overall bill.
3️⃣ ICU expenses may also come with conditions depending on the policy structure and limits.
4️⃣ Before buying or renewing a policy, always ask:
“What room rent does this policy actually allow?”
Small detail.
Big impact during claims.
Health insurance is not only about having coverage.
It is also about understanding how the coverage works when you actually need it.
Save this for your next policy review.
