Sub-limit on hospital room rent or certain treatments is something that you should understand the moment you take a health insurance policy. A sub-limit is a monetary cap that your insurance provider places on your medical insurance claim. Sub-limits can be placed on hospital room rent, doctor’s consultation fee, ambulance charges and a few pre-planned medical procedures such as cataract removal and knee ligament reconstruction. At times, even though your sum insured is high, but you may not be claiming your entire hospitalisation expenses due to the sublimit clause on specific medical procedures.