Hey Reddit! 👋 My partner and I are expecting our first child, and we just found out that room rent is included in the ₹75K delivery limit under Star Women Care Insurance (₹50L coverage).

The Issue:

• Policy Says: Delivery expenses covered up to ₹75K, and no sub-limits on room rent.
• Customer Care Confirms: ₹75K covers both room rent & delivery costs.

Concern:

If we choose a premium room (e.g., ₹50K suite), we’ll have only ₹25K left for delivery. If delivery costs exceed that, we’ll pay out of pocket.

Frustration:

PolicyBazaar told me room rent was separate when I bought the policy. But Star Health says otherwise. Anyone else misled like this? I’m in Calicut, Kerala, and most hospitals here exceed ₹75K, even for a short stay. We’re expecting in 5 months, so we don’t yet know if it’ll be normal or cesarean

Need Help:

• Have you used this policy for delivery?
• Did you face surprise charges?
• Any tips to maximize coverage & avoid extra costs?

Would love to hear your experiences! 🍼🤰