Work out room rent limit impact instantly with clear inputs, formula shown and shareable results.
Choosing a room above the policy's eligible rent triggers a proportionate deduction across all rent-linked charges — room, nursing, surgeon's and anaesthetist's fees — because hospitals tariff those by room category. Charges that do not vary with room category, such as medicines, implants and consumables, are settled in full.
Payable ratio
Ratio = Eligible room rent / Actual room rent, capped at 100%
Rent-linked charges
Rent-linked = Total bill - Non-rent-linked charges
Payable amount
Payable = Non-rent-linked charges + Rent-linked charges x Ratio
Indicative estimate only. Fees, entitlements, limits and formulas vary by jurisdiction, statute, policy wording and the facts of the case. This is not legal, tax, insurance or financial advice — confirm with a qualified professional or the relevant authority.
Because hospitals tariff associated services by room category. Insurers therefore apply the ratio across all charges that vary with the room grade.
Choose a policy with no room rent capping, or stay within the eligible category. It is the single most common cause of unexpected claim shortfalls.