Best Health Insurance Policies Without Room Rent Sub-Limit
Everybody looks for comprehensive coverage when deciding on a health insurance . We try to make sure that the plan we choose covers almost all the necessary features possible. For instance-ambulance charges, hospital room rent, no claim bonus, critical illness, everything. But, without a limit!
Wouldn’t it be great if you find a plan that does not have any sub-limit on any or maximum of these coverage features? Well, it definitely seems satisfying.
In this article, we are going to talk about plans that come with no sub-limits one of the most useful coverage features of health insurance plans, i.e. hospital room rent. Here are the top ones:
1. HDFC Ergo Health Suraksha Insurance
With the Health Suraksha plan from HDFC Ergo you can bask in comfort. It is a comprehensive plan that takes care of your health by offering you maximum coverage features without restrictions. Some key highlights of the plan are- no sub-limits on room rent, and comes with an option to add maternity coverage and critical illness cover. Anyone who is 91 days onwards can buy Health Suraksha plan. However, children below 5 years of age can be covered if both the parents are covered under the plan.
The plan has a lot of benefits to offer other than no limit on room rent, such as coverage for 144-day care procedures, a wide range of sum insured, AYUSH benefit, coverage for an emergency ambulance, pre-and post-hospitalization, long term discounts, and so on.
2. Max Bupa Health Companion
Health Companion Plan from Max Bupa is another comprehensive policy that offers room accommodation without any limit and is affordable too. It comes in three variants with the sum insured ranging from Rs. 3 Lakh to Rs. 1 crore. It is offered to an individual and nuclear family (covering your spouse and up to 4 children) needs. All types of hospital accommodation (except suite or above room category) without any capping on room rent category are covered under this plan.
Some of the key benefits of the individual plan are- direct claim settlement, cashless claim facility, assured plan renewal for a lifetime, coverage of all daycare treatments, organ transplant, domiciliary treatment, vaccination in case of an animal bite, hospital cash (optional), and so on. You might also see a Family Floater plan to cover your near and dear ones to avail the benefit of hospitalization coverage with no room rent capping.
3. Star Comprehensive Insurance Policy
Anyone falling in the age group of 18-65 years can purchase this policy that provides the benefit of no sub-limits on room rent on being treated at a single standard AC room. The plan comes in two variants with the sum insured options ranging from Rs. 5 Lakh to Rs. 25 lakh. Some of the key features of the plan include- automatic restoration of complete SI, dental/ophthalmic cover on OPD basis, cost of health check-up for every block of 3 claim free years.
Major advantages of Star Comprehensive plan are-hospital cash benefits, cover for over 400 daycare procedures, coverage for domiciliary hospitalization, and so on.
4. Universal Sompo Complete Healthcare Plan
Complete Healthcare Insurance comes with comprehensive variants that have no sub-limits on hospital room rent. The plan is available on both individual and family floater basis. It is offered in three variants, namely, Basic, Essential and Privilege with the sum insured options ranging from Rs. 1 Lakh to Rs. 10 lakh. Eligibility for the plan is 18 years minimum and 70 years maximum for adults and policyholder; 91 days minimum and 25 years maximum for dependent children; and one-day minimum and 25 years maximum for children under floater plan.
Some of the major benefits of the plan include-coverage of daycare procedures, ambulance coverage, dental treatment (in case of an accident), coverage for an organ donor, AYUSH benefit, out-patient treatment coverage, convalescence benefit, restore benefit and so on.
5. ManipalCigna ProHealth Plan
ProHealth Plan by ManipalCigna is another best plan that has no limit on room rent under its variant Pro-Health Plus. The plan is designed to provide protection against any ailment or medical emergency. The plan is offered with a sum insured of Rs. 4.5 lakh to Rs. 50 lakh.
The plan has a lot of benefits to offer to its policyholders. Some of them are-policy deductible, worldwide emergency cover, daycare expenses, pre and post hospitalization expenses, restoration of the sum insured, annual health check-up, cumulative bonus for no claim, loyalty rewards, emergency ambulance expenses, and so on.
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Take Away
Health insurance room rent sub-limits must be clearly understood prior to buying a health insurance policy else it can hurt real bad. This is because many health insurance plans come with hidden clauses even after mentioning the benefit of providing the benefit of no sub-limits on certain plans. So, always choose health insurance plans which come without a sub-limit clause even though they might come with a little higher premium.
In case of any difficulty in finding the best health insurance plans for yourself, or to understand the health insurance concepts better, you may contact one of the leading insurance broker, insurancedekho.com at 1800-120-5698. Our expert customer care executives are available for you to help you find the best health insurance policy according to your requirements.
