Hello Pratik,

1. There is nothing "standard" or "usual" regarding Room Rent capping across policies. You need to look at your employer's policy/benefit document to know the limits your are eligible for. In case there are limits, then these will be applied only to this (4L) part of the coverage.
2. Usually Super Top-up plans do not have a Room Rent Limit. If there are any you have seen - avoid them.
3. Top-up will start paying immediately when your aggregate hospitalization expenses (not the claim amount) for you and your wife cross the deductible amount of Rs. 4 Lakhs in the policy year.
4. Please also note that Personal policies like Super Top-up will come with initial waiting periods for specified illnesses and pre-existing diseases. So for these specific illnesses - there won't be any cover for first 24 months.

Recommendation:

You have not mentioned about your age. Insurance companies and plans become restrictive once you grow older and/or suffer from a chronic health condition. We therefore recommend you invest in a personal base cover of Rs. 15 Lakhs (instead of a top-up) for your retirement or any future gap you have in your employment. This way you also end up crossing through all the waiting periods that exist in a personal health insurance policy.