A small clause in most health policies can cut a big claim. Put in your numbers and see the real out-of-pocket — before you're at the hospital billing desk.
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Most common cap.
No room-rent cap — the proportionate-deduction clause won't apply. Nice. (Co-pay, if any, still does.)
A private AC room in a metro is often ₹8,000–20,000/day.
The share of every claim you pay yourself (common on senior / some affordable plans).
You actually pay out of pocket
Enter your numbers to see the real out-of-pocket.
The clause nobody reads
If your policy caps room rent and you take a costlier room, insurers apply proportionate deduction: they scale down most of your bill — surgery, doctor fees, ICU — by the same ratio your room exceeded the cap, not just the room charge.
Example: cap ₹5,000/day, you took a ₹10,000/day room. That's 2× the limit, so the insurer pays only half of nearly the entire bill — a ₹6,00,000 claim becomes ₹3,00,000, even though your room was a small part of it.
This is an estimate. Exact rules (what's excluded from the deduction, ICU sub-limits) vary by policy — always read your own terms or ask a licensed advisor.
The fix
Your policy (with cap)
₹0
out of pocket
A no-cap policy
₹0
out of pocket
That room-rent cap is costing you ₹0 on this one claim.
A licensed, IRDAI-verified advisor can check your room-rent cap, co-pays and sub-limits — and help you switch to a policy that won't surprise you at the billing desk.
Every advisor in the ZaapIn directory is IRDAI-licence-verified.
Pass it on
Does your health policy have a room-rent cap?
It could quietly cost you lakhs. Find out in 30 seconds.
zaapin.com/tools/room-rent-calculator
Send it to family before they buy or renew a health policy. Free, no login, nothing to install.
An estimate for general guidance, not advice on any specific policy. Runs entirely in your browser.