• No room rent-capping — meaning no limit at all with respect to the rent of a hospital room or ICU.
• Single private rooms, wherever available, are considered irrespective of whether the room is air-conditioned (AC), non-AC or deluxe.
• If there is no room rent cap for a normal room but there is a cap for an ICU room, the product is rated with sub-limits, as per the percentage on the sum insured charged.
• We also consider a cap on the amount based on the sum insured. Other incidental expenses are related to the room rent or category selected at the time of making the claim — such as doctor’s fees, nursing charges, etc.

• This is scored based on the highest percentage over a period of time when there is no claim on the policy. Clawback is not considered. 
• If the NCB does not increase the sum insured but reduces the premium, we do not consider it.
• The NCB super benefit is considered, wherever applicable, and where the feature is available by default for a specific sum insured.

• While insurers have varying terminologies for this — including restore benefit or rebound benefit — there is a thin line of difference. 
• Some provide the benefit by default once a year, others provide it upon the second claim being made after the sum insured is exhausted.
• Some offer it once a year by default, while some provide it unlimited times for related or unrelated diseases.
• Recharge for related diseases during the policy year is favourable for the customer, compared to having no benefit at all —and thus scored high.

When there is no co-payment in the policy, it is scored the highest, and when the reverse applies, it is scored lowest.

We consider the following scenarios for ‘no co-payment’:

• Where the co-payment is optional. 
• Where there is a co-payment for ayurvedic or Outpatient Department (OPD) treatment but not for hospitalisation.
• Where co-payment kicks in at 60 and above.
• Where co-payment and ‘without co-payment’ options are available, we consider the product variants without co-payment.
• Where there is a co-payment, but the treatment is taken in a different zone.

If there is a mandatory co-payment at the time of the claim, we consider it under