How Room Rent limit affects Health Insurance claim - How your medical insurance claim is calculated?

Room rent limit in health insurance affects your claim amount. Find out how the calculation is made and Why Room Rent Limit is important?
Room Rent is always a deciding factor in settling your final claim amount. If your Room Rent Capping is less than that of actual room cost while hospital admission then your claim will be reduced. It will be settled on Proportionate basis or as percentage of what your actual cost is with respect to Room Rent limit is. Check out video for how to perform the calculation.
Room Rent = RS 10000 and Room Limit = Rs 5000 , then you will get only 50% of medical insurance claim amount. But if your Room Rent = Rs 5000 and your Room Rent limit per your Health Insurance policy = Rs 5000 then you will get the full amount of your medical insurance claim.
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[@girieshchakaravarthy5239]

Nicely done and well said sir... Seriously I am not aware of this room rent proportionate concept.. I thought I have to pay excess for the 50% room alone but the never thought it impacts the 50% of total cost.

[@manojnv06]

Thank you

[@Gans862]

sry sir..... for late watching this video......
super briefing sir.......

[@satyanarrayanan2524]

Thank you much sir , very useful information.

[@SmartMoneyGoalTamil]

Thank you for encouraging words..

[@selvalakshmiselvaraj1870]

super sir. Thank you for the info

[@raghavankr1623]

Good evening sir. Nice information sir. Nanri. 🙏🙏

[@user-jm6yl6it3g]

Good example and use full information sir

[@SmartMoneyGoalTamil]

thanks Vijay..

[@raanuvaveeran]

In room room rent limit: Single private AC room or No limit of room rent, which one is better sir, the first one is less premium.

[@prasathj7436]

Very informative. Thanks a lot really !!! Is there any way the viewers can talk to you for more information or clear our doubts ?

[@SmartMoneyGoalTamil]

Please email at “[e-mail]”

[@abishekdharuman674]

Does it apply for room catagory also ? I have limit for 3000 room limit with general ward . But hospital gave 1200 room with single occupancy and there is no diffential charges for LSCS in hospital according to hospital. Still i will get propbation deduction.

[@thiruvuvignesh4203]

Sir what is room type:single private in policy

[@logeshwaranselvam1942]

Good information brother. Single A/c room means?

[@thalapathymani....1882]

Good morning sir done your video i will apply for my health insurance buy sir👍

[@SmartMoneyGoalTamil]

Good decision Mr.Sudalai..

[@Surendar.P]

Informative .👍

[@SmartMoneyGoalTamil]

Thanks 🙂

[@pandiant8583]

Thanks sir

[@hanuvignesh4342]

Is any policy provide nil room rent ?

[@kartikr4605]

@SmartMoneyGoal - My mom (58 age) and my age (35) , both are good by the grace of God till today. Please suggest a good health insurance for us. Cheap and best according to you! Waiting for your reply

[@saravanang8634]

Hi, I'm living in Chennai. United India or star health insurance which is better? also, suggest the best medical insurance company.

[@SmartMoneyGoalTamil]

United is better ..STAR is private and also good.

[@saravanang8634]

@@SmartMoneyGoalTamil Thank you Bro.

[@Ragul1010]

Bro After Ur suggestions I bought Star health insurance in my Coimbatore City. Thanks for ur valuable guidance. 🙏
Bro will plan to buy Term plan Tata AIA or Max Life which one is best ? & 5 Years or 10 Years or 24 Years paid premium which one is Coast saving Bro ? If I take long period 10 to 15 % premium overall paid high. Pls guide bro.

[@SmartMoneyGoalTamil]

Among these 2 , MAX Life is better life insurance

[@Ragul1010]

@@SmartMoneyGoalTamil Thanks bro ur valuable response 🙏 Premium paid will choose short term or long term ?

[@vijivelusamy3961]

Room limit 5000 is not safe? I'm also from cbe I plan to take 3 lakh mediclassic gold plan

[@ssmack3]

@@vijivelusamy3961 which is safe plan can u explain detail about this

[@raghavankr1623]

Sir am residing in Bangalore,am planning to go for star health... Comprehensive policy. Please advice 🙏🙏

[@SmartMoneyGoalTamil]

Hi Mr.Raghavan.. yes STAR Health is decent for a city like Bangalore..you can also consider ApolloMunich/HDFC Ergo since from Bangalore.. Make sure Sum Assured is high enough in top cities..

[@nagarajandrawingarts]

24 hr active insurance irukka

[@ArunKumar-tr1st]

Sir , if room rent limit is 5000 and if room rent taken is 10000 then this is actually 100% increase and not 50%

[@SmartMoneyGoalTamil]

You should not look at it that way..5000 is 50% of 10000, so all bills will be proportionately paid.

[@nanthakumar3605]

Explain ICU Room Charge