Can health insurance companies deduct proportionate cuts on medical devices and ICU?

IRDAI Clause 19: Higher room rent does NOT allow cuts on fixed MRP medicines, implants, or ICU care. (कमरे का किराया ज्यादा होने पर भी दवाइयों और आईसीयू पर कटौती अवैध है).
IRDAI Annexure-1: Operative surgical supplies and sterile consumables are payable. (सर्जिकल ग्लव्स और कंज्यूमेबल्स का क्लेम पास होना अनिवार्य है).
Clause 6.1 (3-Hour SLA): Discharge approval delayed beyond 3 hours protects policyholders from holding bed charges. (3 घंटे से ज्यादा देरी होने पर होल्डिंग चार्ज नहीं लिया जा सकता).
Ombudsman Rule 13: 15-day electronic refund demand for out-of-pocket cash paid under protest. (15 दिनों के अंदर बैंक खाते में सीधा रिफंड).

Name: Pan-India Hospital Insurance Deduction Variance Index - India
Creator: ReclaimBill Consumer Grievance & Regulatory Research Team
License: https://reclaimbill.com/terms

Question

Accepted Answer

Under IRDAI Master Circular 2024 Clause 19, insurers and TPAs are strictly PROHIBITED from applying proportionate cuts to fixed MRP medicines, implants, or ICU bed charges when higher room rent is selected.