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Does TATA AIG medicare premier has a capping on room category ?
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I bought a TATA AIG medicare premier health insurance, at the time of buying the sales agent said that this plan has no capping on room rent and I cab choose any room category.
Today I got a call form hdfc ergo health insurance and they are saying that aig medicare premier there is a capping on room rent and only single AC private room is allowed. Is it true?
I was also told in hdfc ergo plan there is no limitation on room rent.
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Reply In HDFC Ergo Optima Restore plan, there is no room rent capping but in the new Optima Secure plan, for upto SI < 50L, you can opt for any room except Suite Room. For SI 50L & above, there is no room rent capping.
0 Comments ReplyDear Rahul
There is no capping and you can choose your room .
However remember one basic I.e higher the room rent higher will be related expenses and you will consume your sum assured .
For example , doctor visit charge to a deluxe room will be re 2000 and economy room can be rs 1000 .
In same way all expenses go up . Total expense of treatment can be 30 % lower in economy room . It is a limited sum assured and it is in your interest to use it with care .
Best wishes
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No, it doesn't have any capping. It is clearly mentioned in the policy schedule.
Check the last row in the attached screenshot here: https://ibb.co/sC6shTW