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UIt’s not just **PolicyBazaar**, but also **Star Health’s policy wording** that’s misleading. If room rent is part of the ₹75K maternity cap, **why isn’t it explicitly mentioned in the policy?** They clearly list other exclusions, so why leave this open to interpretation?
PB misled me, but **Star Health is also enforcing a hidden sub-limit** that isn’t clearly disclosed. Shouldn’t both be held accountable?
UI get that insurers may follow this practice, but **why would every company do this?** Just because it’s common doesn’t make it **right**. If room rent is part of the ₹75K cap, **why isn’t it explicitly mentioned in the policy?** They clearly list other exclusions, so why not this?UAlso I get that many insurers follow this practice, but my issue is **lack of transparency in Star Health’s policy wording**. If room rent is deducted from the ₹75K maternity cap, then:1. **Why does the policy explicitly state “any room” with no sub-limits for ₹50L coverage?**
2. **Why doesn’t the maternity section clearly mention that room rent is included in the ₹75K cap?**
3. **Why is room rent listed separately under hospitalization benefits if it’s actually part of maternity coverage?**If insurers enforce hidden sub-limits without clear disclosure, isn’t that **misrepresentation** under IRDAI guidelines and consumer protection laws?
Would love to hear legal perspectives on this.
Viewing 7 posts - 1 through 7 (of 7 total)