The room upgrade costs more than the room.
Breach the room-rent cap and most Indian policies cut every associated charge in the same ratio. Put your numbers in and see both figures — the one the counter sees, and the one the settlement applies.
NADI · CALCULATOR
● Rule proportionate deduction
● Inputs yours
● Working shown live
✓ arithmetic, not advice
The stay
The bill
Pharmacy, consumables and implants are commonly exempt from proportionate reduction — but it varies by contract. Untick to include them.
How the arithmetic works
- Ratio. Eligible room rate divided by actual room rate. Eligible ₹4,000 against an actual ₹6,000 gives 66.7%.
- Applied per head. That ratio is applied to each associated charge separately, not to the bill total — the exempt heads have to be pulled out first.
- The difference is disallowed. Which is why a ₹2,000 nightly gap becomes a one-third reduction across the most expensive lines on the bill.
- It is only fixable at admission. Once the stay is complete the number is arithmetic. The only question left is who absorbs it.
Explained further: room rent cap as a ground of rejection · the ₹43,000 worked example
The number this gives you is the start, not the answer.
A review looks at your own figures rather than an average.