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/Room Rent
Find what matters most to you.
Pick a coverage concern and see its exact policy terms, compared side-by-side across top Indian health insurance plans.
36 features mapped
6 coverage topics
Start here8
The concerns that cost the most when a plan gets them wrong
Step 1Coverage Directory
Every category, decoded
All 6 coverage topics in one place - start with the worry on your mind, and open the features that decide it.
Step 2Feature Library
Big hospital bills
Every feature behind Big hospital bills, deciders first - pick one to see how the plans differ.
5 more features here look much the same across the plans we cover - they rarely decide the choice.
Step 3Plan ComparisonStart here
What is Room Rent in health insurance?
Sets the maximum amount your insurer pays per day for your hospital room. If you stay in a room that costs more than this limit, your insurer may also reduce what they pay on your other hospital bills - like doctor fees and surgery charges - not just the room cost. Plans with no room rent cap give you the most protection.
Every plan, ranked11 · 7 strong · 4 standard
Niva BupaStrongReAssure 3.0 · BlackNo cap - room covered at actual cost
Strong
Black has no room capping at all; the other three stop at a category. If you take a room above your category, a flat co-pay from Annexure V applies to the entire claim, not just the room charge. Your plan fixes the room you are eligible for.
Coverage detailstap any row to understand it
Room cost limitNo cap - room covered at actual cost
Room upgrade riderNot available
Minimum Hospitalisation Duration to Qualify (Hours)2 hours
Watch out
On Classic plan, claiming any room category above General Ward costs you 20% to 50% of the whole admissible claim. On a Rs 4,00,000 hospital stay at the 40% band, you pay Rs 1,60,000 from your own pocket.
Star HealthStrongSuper StarNo cap - room covered at actual cost
Strong
Your hospital room is covered at Any Room, with no daily rupee cap and no room category ceiling, up to your Sum Insured. There is an option of Room Rent Modification which restrict it to Single Private AC Room, Shared Room or General Ward, and you can opt out of it only during the first renewal.
Coverage detailstap any row to understand it
Room cost limitNo cap - room covered at actual cost
Room upgrade riderAvailable - Downgrade
Minimum Hospitalisation Duration to Qualify (Hours)24 hours
Watch out
If you buy Room Rent Modification and then take a room above the category you chose, the insurer pays your professional fees, operation theatre charges and procedure charges only in proportion to the room rent it allows. You pay the rest from your own pocket.
HDFC ERGOStrongOptima RestoreNo cap - room covered at actual cost
Strong
There is no room rent cap. Hospital room and boarding sit inside the in-patient benefit and are paid up to your Sum Insured, with no room category and no daily rupee ceiling. Because there is no cap, the wording carries no proportionate deduction clause, so picking a costlier room does not cut what is paid on the rest of your bill.
Coverage detailstap any row to understand it
Room cost limitNo cap - room covered at actual cost
Room upgrade riderNot available
Minimum Hospitalisation Duration to Qualify (Hours)24 hours
Watch out
The stay has to be a hospital admission of at least 24 hours to count as hospitalisation, unless it is a day care procedure. Room rent is defined here to include associated medical expenses, so those charges are paid from the same Sum Insured.
Care HealthStrongCare AdvantageNo cap - room covered at actual cost
Strong
Your room has no separate limit. The policy states room category eligibility as 'no sub-limit', so any room you take is paid from your Sum Insured with no proportionate deduction.
Coverage detailstap any row to understand it
Room cost limitNo cap - room covered at actual cost
Room upgrade riderAvailable - Downgrade
Minimum Hospitalisation Duration to Qualify (Hours)24 hours
Watch out
The no-limit room holds only while Optional Cover 8 is left out. If you take that premium discount, check your Policy Schedule: the cap becomes a Single Private Room, which the policy defines as the hospital's most basic and most economical single air-conditioned room.
Aditya BirlaStrongActiv One · VYTLNo cap - room covered at actual cost
Strong
Your hospital room is paid at its actual cost, up to the Sum Insured - no daily rupee cap and no room category limit on any plan. Most plans also let you cut your premium by opting into a room ceiling of a Single Private Room or a shared room; VIP and VIP+ do not offer that choice.
Coverage detailstap any row to understand it
Room cost limitNo cap - room covered at actual cost
Room upgrade riderAvailable - Downgrade
Minimum Hospitalisation Duration to Qualify (Hours)24 hours
Watch out
If you opt into a Room Rent Type Option to save premium, you accept a room ceiling for the whole policy year. The policy does not state what it pays if you then take a room above that category, so get that answer in writing before you opt in.
Care HealthStrongCare SupremeNo cap - room covered at actual cost
Strong
There is no room rent cap and no room category limit, so any room you take is covered up to the Sum Insured.
Coverage detailstap any row to understand it
Room cost limitNo cap - room covered at actual cost
Room upgrade riderAvailable - Downgrade
Minimum Hospitalisation Duration to Qualify (Hours)24 hours
Watch out
The optional Room Rent Modification benefit lowers your premium by limiting you to a Single Private AC Room or a Twin Sharing Room. If you buy that option and take a costlier room, you pay a proportionate share of the associated medical expenses too.
HDFC ERGOStrongOptima Secure · Optima-SecureNo cap - room covered at actual cost
Strong
Most plans pay your hospital room at actuals - no daily rupee cap and no room category limit. Optima Select caps you at a Single Private room and Optima Lite at 1% of base sum insured per day.
Coverage detailstap any row to understand it
Room cost limitNo cap - room covered at actual cost
Room upgrade riderAvailable - Downgrade
Minimum Hospitalisation Duration to Qualify (Hours)24 hours
Watch out
If you take a room above your plan's limit, the insurer cuts the same percentage from your room charge and from your associated medical expenses.
Star HealthStandardStar Health AssureUp to Deluxe Room
Standard
Your room entitlement rises with the Sum Insured. At Rs.5 lakh and Rs.7.5 lakh the room is capped at 1% of Sum Insured per day; from Rs.10 lakh you get any room except a Suite or above, and from Rs.50 lakh any room at all. If you take a room above your entitlement, the insurer cuts the same percentage off your room rent and associated medical expenses.
Coverage detailstap any row to understand it
Room cost limitUp to Deluxe Room
If you exceed the room limitProportionate deduction on Room + Associated Medical Expenses
Room upgrade riderNot available
Minimum Hospitalisation Duration to Qualify (Hours)24 hours
Watch out
At Rs.5 lakh Sum Insured the room is capped at Rs.5,000 per day. A room above that triggers a proportionate deduction on the room and associated medical expenses, so a single upgrade can cost you tens of thousands of rupees on a large bill.
Star HealthStandardStar ComprehensiveUp to Single Private Room
Standard
Your room is covered at a Private Single A/C Room, which the policy defines as the most economical single-occupancy room the hospital has - not a deluxe room or a suite.
Coverage detailstap any row to understand it
Room cost limitUp to Single Private Room
If you exceed the room limitProportionate deduction on Room + Associated Medical Expenses
Room upgrade riderNot available
Minimum Hospitalisation Duration to Qualify (Hours)24 hours
Watch out
Take a room above that category and the insurer cuts the same proportion from your nursing, operation theatre and doctor's fees too.
Star HealthStandardFamily Health OptimaUp to Single Private Room
Standard
Your room is covered at a Private Single A/C Room, which the policy defines as the most economical single-occupancy room the hospital has - not a deluxe room or a suite.
Coverage detailstap any row to understand it
Room cost limitUp to Single Private Room
If you exceed the room limitProportionate deduction on Room + Associated Medical Expenses
Room upgrade riderNot available
Minimum Hospitalisation Duration to Qualify (Hours)24 hours
Watch out
Take a room above that category and the insurer cuts the same proportion from your nursing, operation theatre and doctor's fees too.
ICICI LombardStandardElevateUp to Single Private Room
Standard
Your room is covered up to a Single Private AC room, Take a costlier room and your room, nursing, operation theatre and doctor charges are paid on a pro-rata basis. Optional Cover, Room Modifier, removes the room limit or lowers it.
Coverage detailstap any row to understand it
Room cost limitUp to Single Private Room
If you exceed the room limitProportionate deduction on Room + Associated Medical Expenses
Room upgrade riderAvailable - Both
Minimum Hospitalisation Duration to Qualify (Hours)24 hours
Watch out
A Single Private AC room is defined as the hospital's most basic and most economical single room, so a better single room can still count as an upgrade. The room benefit needs an admission of more than 24 hours unless you buy the 2-Hour Hospitalization option.
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