👉There is a clause called Proportionate Deduction which wouldn’t just allow you to pay the difference in the room rent. You will eventually end up paying a proportionate amount of the entire bill. 👉Your insurer will not just deduct the difference in the room rent but also charge you a cut in the ‘same proportion’ keeping in mind all the expenses associated with the upgraded room. ✅Solution: Buy policies that dont come with room rent limit. ⚠️However, in a few cases, some plans with no room-ren
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Decode.Money on Instagram: "This is how one room decision reduces the entire insurance claim. 👇 Read this carefully. When the room chosen exceeds the policy’s allowed limit, insurers apply proportionate deduction. . . . . That means the reduction is not limited to room rent alone. Surgery charges, doctor fees, ICU costs, and OT expenses can all be reduced in the same ratio. This is not arbitrary. The insurance regulator (IRDAI) allows insurers to apply proportionate deduction when room rent lim
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