Some Health Insurance Policies have Room Rent Capping which implies that a certain percentage of the Sum Insured can only be availed towards Room Rent Expenses. For Eg: if the Health Insurance Policy has a Room Rent Capping of 1% on a Sum Insured of Rs5 lakhs, then this implies that the Insured Person can avail only 1% of Rs5 lakhs ie Rs5000 towards Room Rent Expenses. You should always opt for a Policy which has No Room Rent Capping.