You must be mindful of the room rent to avoid any last-minute surprises at the time of claim. Most health insurance plans limit room rent between 1% to 2% of the sum insured. For example, if your sum insured is INR 5 lakhs, you will be eligible for a room that charges around INR 5,000 a day. If you opt for a room, which has rent higher than this, your insurance company will settle only a partial claim, you will have to pay the difference from your pocket.