Health Insurance mein Co-Pay kya hai?
Co-pay ek clause hai health insurance mein jahan policyholder medical expenses ka ek fixed percentage apni jeb se chukane ke liye sehmat hota hai, jabki insurer baaki chukata hai. Example ke liye, ₹1,00,000 ke bill pe 20% co-pay ke saath, aap ₹20,000 chukate hain aur insurer ₹80,000 chukata hai.
Co-pay Example: ₹5,00,000 bill pe 20% co-pay = aap ₹1,00,000 chukate hain, insurer ₹4,00,000
Common Co-Pay Structures
No Co-Pay
0%Best option — insurer pays 100% of covered expenses. Premium higher but zero out-of-pocket at claim time.
✅ Best
10% Co-Pay
10%Aap har bill ka 10% chukate hain. Senior citizen plans mein common. ₹5L ke bill pe, aap ₹50,000 chukate hain.
⚠️ Moderate
20% Co-Pay
20%Aap har bill ka 20% chukate hain. Sasti plans mein often milta hai. ₹5L ke bill pe, aap ₹1,00,000 chukate hain — bahut mehnaga!
❌ Avoid
Zone-based Co-Pay
10-20%Co-pay apply hota hai agar aap non-network hospital ya alag city mein treatment karate hain.
⚠️ Check
Co-Pay Comparison Table
| Insurer | Co-Pay | Premium Impact | Verdict |
|---|---|---|---|
| Acko General Insurance | No co-pay | Standard | ✅ Best |
| Care Health Insurance | No co-pay (most plans) | Standard | ✅ Best |
| HDFC ERGO General Insurance | No co-pay | Standard | ✅ Best |
| Star Health & Allied Insurance | 10-20% (senior plans) | Lower premium | ⚠️ Check |
| Niva Bupa Health Insurance | 10% on select plans | Slightly lower | ⚠️ Check |
| ICICI Lombard General Insurance | No co-pay (most plans) | Standard | ✅ Best |
Paliwal Secure Rating™ — No Co-Pay Leaders
Acko General Insurance
HDFC ERGO General Insurance
Care Health Insurance
Star Health & Allied Insurance
Co-Pay FAQ
IRDAI Mandatory Disclaimer: Insurance solicitation ka subject hai. Ye content sirf educational purpose ke liye hai aur financial advice nahi hai. Please koi bhi purchase karne se pehle certified insurance advisor se consult karein. Paliwal Secure ek IRDAI-registered POSP (Code: IP429834) hai.