Room Rent Sub-Limit Impact Calculator

This calculator shows the effect of a room rent sub-limit clause: if your actual room rent exceeds your policy's eligible limit, many insurers apply that same shortfall ratio to your entire hospital bill, not just the room charges — a mechanism called proportionate deduction.

If your actual room rent is within your eligible limit, there is no deduction and the full bill is payable (subject to your overall sum insured). Once it exceeds the limit, the gap can meaningfully reduce your total claim payout.