Question regarding the Room Rent Cap
Recently I have taken the 1Cr policy which is of 5L(Base) + 95L(Super Top Up). In the policy wordings, it is mentioned that the Room Rent Cap is up to the Sum Insured(5L). Is that mean, a dedicated 5L amount will be allocated to the Room Rent Charges for the given year? Or does it mean, if the base limit is exhausted in first claim, I'm not eligible to receive any more amount Under Room cap? Assume we don't have any restoration benefit.
For example, I have taken the claim of 5L in the first hospitalization, for that it took 1L for Room Rent and 4L for treatment. In the second claim, will I eligible for receive Room Rent charges under remaining 4L or no honor takes place as I already exhausted base limit.
Also, please clarify what are the benefits we get for higher Base Plan than higher Super Top Plan. Why we should consider the restoration benefit or No Claim Bonus, as we already getting high Sum through the Super Top Up? What are the jargons which make Base Plan with NCB/Restoration highly important.
If we have taken 5L and want to upgrade to 10L/20L next year, will I loose one year benefits? Please try to answer all of questions? Thanks in advance.