Work out co payment amount instantly with clear inputs, formula shown and shareable results.
Copayment is a fixed percentage of the admissible claim that you bear, applied after non-payable items are stripped out. Your real share is always higher than the stated copayment percentage, because consumables and non-medical items are excluded from the claim entirely.
Admissible amount
Admissible = Claim amount - Non-payable items
Your copayment
Copayment = Admissible x Copayment %, subject to any cap
Indicative estimate only. Fees, entitlements, limits and formulas vary by jurisdiction, statute, policy wording and the facts of the case. This is not legal, tax, insurance or financial advice — confirm with a qualified professional or the relevant authority.
To reduce moral hazard and lower the premium. Senior citizen and zone-based plans commonly mandate 10-30% copayment.
Some insurers offer a copayment waiver rider or a zone upgrade for an additional premium. Otherwise it is a policy condition.