As the cost of hospital treatment are getting expensive day by day one must financially secure self and family under Online health Insurance. Health insurance India is very affordable for which rebate under income tax under section 80D can also be availed.
According to recent goverment guidelines on Covid-19, worker must have "Medical Insurance" This also applies to Offices, factories and establishment's
Under most of the Mediclaim Insurance products room rent is capped to 1% and ICU is capped to 2% of the Sum Insured per day.
Proportionate clause is applied and deducted as per the same proportion of the Room rent per day.
For e.g if you have a Sum Insured of Rs 5,00,000 , 1% of the Sum Insured i.e Rs 5000 only will be paid as room rent and Rs 10,000 only will be paid as ICU charges per day
Under the above e.g If you stay in a room where the room rent per day is Rs 10,000 and if the total claim Amount is Rs 3,00,000 then only Rs 1,50,000 will be paid i.e proportionate clause will be applied
Beware of disease wise sublimits for e.g cataract
There are policies available without any room rent capping