If you ever get hospitalized, you will be presented with multiple room options at the hospital. For example, ward, twin shared room, single private room, single deluxe room, etc. Daily rent for these rooms is different. A lot of service charges (nursing charges etc.) are dependent on the room type and rent. If you opt for a higher room category than your eligible category, then the additional expenses towards the bill, which are determined by the type of room opted for, will have to be borne by you. 

Most insurance policies have a limit on the room rent which results in you paying a lot of amount out of your pocket. However the acko health insurance plan has no limit on room category or room rent meaning you can avail any room of of your choice and not worry about coverage. We will pay for any room you choose (including suite room)