A co-pay is a fixed share of every approved claim that you pay yourself. A 20% co-pay on a ₹2 lakh claim means you pay ₹40,000, even though you have ₹5 lakh of cover.
Where it hides
“A co-payment of 20% on every admissible claim shall apply where the Insured Person is aged 61 years or above at entry.”
- Age. Common in plans bought for people over 60.
- Hospital. Some plans add 10% at non-network hospitals.
- City. Zone-based plans add a co-pay if you’re treated in a costlier city than the one you’re priced for.
- Choice. Some people picked a co-pay for a lower premium, then forgot about it.
A co-pay is not a deductible
A deductible is a fixed amount you pay before cover starts, like the first ₹1 lakh. A co-pay is a percentage that applies to every claim, large or small. On a big hospital bill, a co-pay can cost far more.
What you can do
At renewal, ask whether you can remove the co-pay for a higher premium. If it only applies outside the network, check the network list before a planned admission. When you compare plans, compare the co-pay, not just the premium.
Does your policy have a co-pay?We’ll find it, and show what it costs on a real bill.