In a  bid put in place a uniform approach while applying proportionate deductions in health insurance claims when policyholders opt for room with a higher rent than the eligible limit under the policy, the insurance regulator IRDA is planning to issue norms on making proportionate deductions.


 In the health insurance contracts, where there is a sub limit for room rent, in the event policyholder occupying a room with higher tariff, than the one that he is eligible, health insurance products, subject to product design, may stipulate recovery of proportionate deductions in respect of various associated medical expenses, said IRDAI.


IRDAI has asked suggestions from all stakeholders on the proposed guidelines