Proportionate Deduction

A clause in health insurance policies, where if there is a capping on per day room rent in the policy and you avail a room higher than the eligible room all the other hospital expenses like consultation charges, surgeon charges, operation charges, etc. will get reduced as a proportion based on the difference between the eligible and the availed room charge. Only the cost of medicines and consumables which are sold as MRP are paid as per actual.

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