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What is co-pay?
3 min read · Reviewed for general accuracy · Updated May 2026
The share of an approved claim you pay yourself. It quietly reduces what you receive.
The definition
Co-pay is a fixed percentage of an admissible claim that you bear, with the insurer paying the rest. It applies after the claim is approved — it's not a rejection.
Where it shows up
Co-pay is common in senior-citizen plans and in some zone-based policies (where treatment in a higher-cost city carries a co-pay). It should be stated clearly in your policy schedule.
A quick example
On a ₹1,00,000 approved claim with a 20% co-pay, the insurer pays ₹80,000 and you pay ₹20,000. Knowing your co-pay up front avoids surprises at discharge.
Frequently asked
Facing this with your own claim?
Upload your policy and the insurer’s letter — Claim Saathi reads both, finds the exact clause, and helps you respond.
Analyze my claim →This article is general educational information, not legal, medical, or financial advice. Insurance rules and timelines change — verify current regulations before acting, and consult a qualified professional for your specific situation.