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What is co-insurance?
A co-insurance is the amount you contribute toward your medical bills when you make a claim under certain benefits. Unlike an excess, a co-insurance is a percentage value (e.g., 20%). This means you pay for 20% of the medical bills. You pay the co-insurance in addition to the excess on your policy.
Not all benefits have a co-insurance. There’s list of benefits that do.
| Benefit | Co-insurance |
|---|---|
| Out-patient mental health medication | 20% |
| Routine dental care (on the Silver and SilverLite plans only) | 20% |
| Complex dental care | 20% |
