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Does TATA AIG medicare premier has a capping on room category ?

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10 Aug, 2022 by  rahul ravi

Hi


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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11 Aug, 2022
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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

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11 Aug, 2022
rahul ravi
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11 Aug, 2022
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11 Aug, 2022
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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.

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11 Aug, 2022
CEO, Insurance Samadhan

Dear 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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11 Aug, 2022
rahul ravi
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