A. Some health insurance policies restrict the amount you can claim on room rent. This restriction is typically expressed as a percentage of the sum assured. So, a 2 percent room rent cap in an insurance policy of Rs 5 lakh means that the insurer will pay only up to Rs 10,000 per day for the hospital room. If you stay in a room that is more expensive than the limit, then you will need to bear the additional cost. Room rent also determines other costs involved in hospitalisation. Consider a surgeon’s fees. Ideally, this should not depend on the room you stay in, but hospitals routinely charge more from people in single rooms than those in shared rooms. It is useful to get insurance that does not specify room-rent caps but allows stay in any single room.