InsuranceFinancial Glossary
ICU Charges
Definition
The daily rate charged by a hospital for Intensive Care Unit admission, typically 2-5 times the regular room rent. In metro hospitals, ICU charges can range from Rs 10,000 to Rs 50,000 per day depending on the facility level.
Why It Matters
Some health insurance policies sub-limit ICU charges to a multiple of the room rent cap (e.g., 2x room rent limit). If your policy has a Rs 5,000 room rent limit and a 2x ICU cap, you are covered only for Rs 10,000 per ICU day — far below the Rs 25,000-50,000 charged by top hospitals. This is one of the most common hidden gotchas in health insurance.