{"id":2181,"date":"2022-09-27T11:50:53","date_gmt":"2022-09-27T06:20:53","guid":{"rendered":"https:\/\/www.insurancesamadhan.com\/blog\/?p=2181"},"modified":"2022-11-17T09:52:03","modified_gmt":"2022-11-17T04:22:03","slug":"will-5-gst-on-room-rent-impact-your-insurance-cover","status":"publish","type":"post","link":"http:\/\/www.insurancesamadhan.com\/blog\/will-5-gst-on-room-rent-impact-your-insurance-cover\/","title":{"rendered":"Will 5% GST on Room Rent Impact Your Insurance Cover?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_76 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/will-5-gst-on-room-rent-impact-your-insurance-cover\/#Will_It_Affect_the_Premium_too\" >Will It Affect the Premium too?<\/a><\/li><\/ul><\/nav><\/div>\n<p>Recently GST Council decided to levy 5% GST on hospital rooms where per day room rent is over Rs. 5000. However, intensive care units are excluded from such a tax.<\/p>\n<p>Here, the question arises, will the insurance company cover such tax? If yes, then will it also affect the premium?<\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter size-full wp-image-2186\" src=\"https:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/09\/Will-5-GST-on-Room-Rent-Impact-Your-Insurance-Cover2.jpg\" alt=\"Will 5% GST on Room Rent Impact Your Insurance Cover?\" width=\"1920\" height=\"1080\" srcset=\"http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/09\/Will-5-GST-on-Room-Rent-Impact-Your-Insurance-Cover2.jpg 1920w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/09\/Will-5-GST-on-Room-Rent-Impact-Your-Insurance-Cover2-300x169.jpg 300w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/09\/Will-5-GST-on-Room-Rent-Impact-Your-Insurance-Cover2-1024x576.jpg 1024w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/09\/Will-5-GST-on-Room-Rent-Impact-Your-Insurance-Cover2-150x84.jpg 150w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/09\/Will-5-GST-on-Room-Rent-Impact-Your-Insurance-Cover2-768x432.jpg 768w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/09\/Will-5-GST-on-Room-Rent-Impact-Your-Insurance-Cover2-1536x864.jpg 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/><\/p>\n<p>The good news is, insurers are likely to treat the taxes on room rent as a part of the total medical bill. The insurer will reimburse you for the GST paid. Also, in the case of <a href=\"https:\/\/www.insurancesamadhan.com\/blog\/cashless-claims-in-health-insurance\/\">cashless claims<\/a>, GST will be directly paid by the insurer.<\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=organic&amp;utm_medium=blog&amp;utm_campaign=blog_post&amp;utm_term=blog_term\"><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/stage.insurancesamadhan.com\/assets\/img\/contact.png\" alt=\"Insurance Samadhan\" width=\"500\" height=\"70\" border=\"0\" \/><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Will_It_Affect_the_Premium_too\"><\/span>Will It Affect the Premium too?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Usually, room rent is 15-20% of the total hospital bill. Due to GST, the cost of the room rent will be increased and as a result, the overall cost of hospitalization will rise. This will lead to a rise in the cost of claims for the insurer. Therefore, 5% GST on room rent will likely increase the premium of health insurance policies in the near future.<\/p>\n<p>Also, insurance companies pay a proportionate amount of the hospital bills in case of a sub-limit on room rent (room rent capping). GST on room rent will proportionately reduce the claim amount. As a result, the remaining expenses will be paid out of the policyholder\u2019s pocket.<\/p>\n<p>For instance, a policyholder has taken a health cover of Rs. 5 lakh and the sub-limit of the room rent is 1% of the sum assured. At the time of claim, the hospital bill came out to be Rs. 2 lakh. But the policyholder was hospitalized in a room with a daily rent of Rs. 6000 including 5% GST, which is more than the sub-limit. The company <a href=\"https:\/\/www.insurancesamadhan.com\/blog\/a-guide-to-health-insurance-reimbursement\/\">reimbursed<\/a> only Rs. 1.7 lakh due to the sub-limit clause. Therefore, the policyholder will pay Rs. 30,000 out of his pocket.<\/p>\n<p>In addition to this, there are people who prefer separate single hospital rooms. They do not prefer shared rooms. This will not only increase the room rent, but also the overall hospitalization cost (including higher GST).<\/p>\n<p>&nbsp;<\/p>\n<p>Therefore, it is advisable, to buy a <a href=\"https:\/\/www.insurancesamadhan.com\/blog\/8-reasons-why-you-must-have-health-insurance\/\">health insurance policy<\/a> with no capping on room rent. If you already have a health insurance policy with a sub-limit on room rent, then port to a health insurance policy with no capping room rent.<\/p>\n<p>If you face any problem related to insurance, you can contact Insurance Samadhan. We have helped resolve 14,500+ complaints of policyholders. We\u2019ll be happy to help you.<\/p>\n<p><strong>Click on the below links to read some cases resolved by Insurance Samadhan:<\/strong><\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/blog\/5-reasons-why-health-insurance-claims-get-rejected-amid-covid-19\/\">Health insurance claim rejection<\/a><\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/blog\/how-can-you-avoid-insurance-mis-selling\/\">Delay in claim process<\/a><\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/blog\/a-guide-for-a-life-insurance-lapsed-policy\/\">Insurance mis-selling<\/a><\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=organic&amp;utm_medium=blog&amp;utm_campaign=blog_post&amp;utm_term=blog_term\"><strong>Click here<\/strong><\/a>\u00a0to register your complaint with Insurance Samadhan<\/p>\n<p>You can also<\/p>\n<p>Visit our website:\u00a0<a href=\"https:\/\/www.insurancesamadhan.com\/\">insurancesamadhan.com<\/a><\/p>\n<p>Call us on +91 9513631312<\/p>\n<p>WhatsApp:\u00a0<a href=\"https:\/\/api.whatsapp.com\/send?phone=+919910998252&amp;text=Hi\">\u00a09910998252<\/a><\/p>\n<p>Mail us at\u00a0<a href=\"mailto:corporate@insurancesamadhan.com\">corporate@insurancesamadhan.com<\/a><\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=organic&amp;utm_medium=blog&amp;utm_campaign=blog_post&amp;utm_term=blog_term\"><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/stage.insurancesamadhan.com\/assets\/img\/contact.png\" alt=\"Insurance Samadhan\" width=\"500\" height=\"70\" border=\"0\" \/><\/a><\/p>\n<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\/\",\n  \"@type\": \"Article\",\n  \"mainEntityOfPage\": {\n    \"@type\": \"WebPage\",\n    \"@id\": \"https:\/\/www.insurancesamadhan.com\/blog\/will-5-gst-on-room-rent-impact-your-insurance-cover\/\"\n  },\n  \"headline\": \"Will 5% GST on Room Rent Impact Your Insurance Cover?\",\n  \"description\": \"GST Council decided to levy 5% GST on hospital rooms (excluding intensive care units) where per day room rent is over Rs. 5000.\",\n  \"image\": {\n    \"@type\": \"ImageObject\",\n    \"url\": \"https:\/\/i0.wp.com\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/09\/Will-5-GST-on-Room-Rent-Impact-Your-Insurance-Cover2.jpg?resize=768%2C432&ssl=1\",\n    \"width\": \"1920\",\n    \"height\": \"1080\"\n  },\n  \"author\": {\n    \"@type\": \"Person\",\n    \"name\": \"Shailesh Kumar\"\n  },\n  \"publisher\": {\n    \"@type\": \"Organization\",\n    \"name\": \"Insurance Samadhan\",\n    \"logo\": {\n      \"@type\": \"ImageObject\",\n      \"url\": \"https:\/\/www.insurancesamadhan.com\/images\/logo.svg\",\n      \"width\": \"224\",\n      \"height\": \"47\"\n    }\n  },\n  \"datePublished\": \"2022-09-27\",\n  \"dateModified\": \"2022-09-27\"\n}\n<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Recently GST Council decided to levy 5% GST on hospital rooms where per day room rent is over Rs. 5000. However, intensive care units are excluded from such a tax. Here, the question arises, will the insurance company cover such&hellip; <a href=\"http:\/\/www.insurancesamadhan.com\/blog\/will-5-gst-on-room-rent-impact-your-insurance-cover\/\" class=\"more-link\">Continue Reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":4,"featured_media":2188,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","footnotes":""},"categories":[3],"tags":[195,89,196,197],"class_list":["post-2181","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-health-insurance","tag-5-gst","tag-cashless-claim","tag-room-rent","tag-room-rent-capping"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Will 5% GST on Room Rent Impact Your Insurance Cover?<\/title>\n<meta name=\"description\" content=\"GST Council decided to levy 5% GST on hospital rooms (excluding intensive care units) where per day room rent is over Rs. 5000.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.insurancesamadhan.com\/blog\/will-5-gst-on-room-rent-impact-your-insurance-cover\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Will 5% GST on Room Rent Impact Your Insurance Cover?\" \/>\n<meta property=\"og:description\" content=\"GST Council decided to levy 5% GST on hospital rooms (excluding intensive care units) where per day room rent is over Rs. 5000.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.insurancesamadhan.com\/blog\/will-5-gst-on-room-rent-impact-your-insurance-cover\/\" \/>\n<meta property=\"og:site_name\" content=\"Insurance Samadhan\" \/>\n<meta property=\"article:published_time\" content=\"2022-09-27T06:20:53+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-11-17T04:22:03+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i0.wp.com\/www.insurancesamadhan.com\/wp-content\/uploads\/2022\/09\/Thumb2-10.jpg?fit=250%2C175&ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"250\" \/>\n\t<meta property=\"og:image:height\" content=\"175\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Shailesh Kumar\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Shailesh Kumar\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.insurancesamadhan.com\/blog\/will-5-gst-on-room-rent-impact-your-insurance-cover\/\",\"url\":\"https:\/\/www.insurancesamadhan.com\/blog\/will-5-gst-on-room-rent-impact-your-insurance-cover\/\",\"name\":\"Will 5% GST on Room Rent Impact Your Insurance Cover?\",\"isPartOf\":{\"@id\":\"https:\/\/www.insurancesamadhan.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.insurancesamadhan.com\/blog\/will-5-gst-on-room-rent-impact-your-insurance-cover\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.insurancesamadhan.com\/blog\/will-5-gst-on-room-rent-impact-your-insurance-cover\/#primaryimage\"},\"thumbnailUrl\":\"http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/09\/Thumb2-10.jpg\",\"datePublished\":\"2022-09-27T06:20:53+00:00\",\"dateModified\":\"2022-11-17T04:22:03+00:00\",\"author\":{\"@id\":\"https:\/\/www.insurancesamadhan.com\/blog\/#\/schema\/person\/38d2f769aa9bdee462bd2b530c7a40b2\"},\"description\":\"GST Council decided to levy 5% GST on hospital rooms (excluding intensive care units) where per day room rent is over Rs. 5000.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.insurancesamadhan.com\/blog\/will-5-gst-on-room-rent-impact-your-insurance-cover\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.insurancesamadhan.com\/blog\/will-5-gst-on-room-rent-impact-your-insurance-cover\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.insurancesamadhan.com\/blog\/will-5-gst-on-room-rent-impact-your-insurance-cover\/#primaryimage\",\"url\":\"http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/09\/Thumb2-10.jpg\",\"contentUrl\":\"http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/09\/Thumb2-10.jpg\",\"width\":250,\"height\":175,\"caption\":\"Will 5% GST on Room Rent Impact Your Insurance Cover? 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However, intensive care units are excluded from such a tax. Here, the question arises, will the insurance company cover such&hellip; Continue Reading &rarr;","amp_enabled":true,"_links":{"self":[{"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/posts\/2181","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/comments?post=2181"}],"version-history":[{"count":9,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/posts\/2181\/revisions"}],"predecessor-version":[{"id":2656,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/posts\/2181\/revisions\/2656"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/media\/2188"}],"wp:attachment":[{"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/media?parent=2181"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/categories?post=2181"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/tags?post=2181"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}