For Health Guard Silver Plan, there is a sub-limit on room rent restricted to max 1% per day of Sum Insured opted. Also, there is a Cataract limit per eye 20% of Sum Insured. For Health Guard Gold Plan, there are sub-limits on Cataract, Bariatric surgery and Maternity expenses, explained as follows. Cataract Limit per eye 20% of Sum Insured max up to Rs. 1 Lakh; Bariatric Surgery restricted to 50% of the Sum insured, subject to a maximum of Rs. 5 Lakh; and Maternity Expenses- From Sum Insured Rs. 3 Lakh to Rs. 7.5 Lakh is restricted to Rs. 15,000 for normal delivery and Rs. 25,000 for cesarean section and from Sum Insured Rs. 10 Lakh to Rs. 50 Lakh it is restricted to Rs. 25,000 for normal delivery and Rs. 35,000 for cesarean section.