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Room Rent Limit - Room category except suite or higher category
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20 Feb, 2021
by Nikhil Kataria
Manipal Cigna ProHealth Plus offers inpatient hospitalisation covered "upto any room category except suites or higher category". In such a case, the insured will be eligible to a deluxe or higher category of single room but not as high as a suiite or higher category? This in a way is better than restriction of "single private room" and a little less better than no room limit, right?
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Hello Nikhil,
Thank you for asking this question on the Forum. It will help many others in the community.
What "any room category except for suites + higher category" means is that the insurer is fine with the customer choosing any room, but rules out the super luxurious category of rooms (Suites++) one can choose. Such a limitation does not really limit the usage of the policy coverage in any manner for most of us - you will always be able to get a room of your choice in a hospital that is under this luxury category and have no deductions.
So yes, you are right this limitation is way better than a single private room, and has a negligible difference from a policy with no room rent limits.
Hope this answers your question.
Regards,
Mahavir