Deductible and co-pay types include fee-for-service plans and managed health care plans.

1. Types of Co-pay

2. What is co-pay?
 Percentage of claimable hospital
expense
 Paid by the insured

3. Types of co-pay
 Zone related co-pay
 Network hospital related co-pay
 Age related co-pay
 Pre-existing diseases related co-pay

4. Zone Related Co-pay
 Applicable for plans with different
premiums for different zones
 To paid for treatment in zones with
higher expense
E.g. New India applies up to 20% co-pay on their
Mediclaim 2007 and Mediclaim 2012 policies.

5. Network Hospital Related Co-pay
 Applicable when treatment is taken
under non-network hospital
E.g. Bajaj Allianz applies co-pay of 20% in its
Silver Health plan for senior citizens when they
get treated in a non-network hospital.

6. Age Related Co-pay
 Applicable when:
 You buy a policy at specific age
 Reach a specific age
E.g. L&T’s Medisure Classic applies 10% co-pay for
members over 80. Religare applies 20% copay in
its policy Care, for members who enter it post age
61.

7. Pre-existing disease related co-pay
 Applicable for claims on pre-existing
ailments
E.g. The Star Health Red Carpet policy covers all pre-
existing diseases with a co-pay of 50% right from the
second year of the policy start and a co-pay of 30%
for other specified ailments from the very first year
itself!

8. Co-pay isn’t that bad if you know all the terms and
conditions very well...