Co-payment Plan
Lower Premiums, Shared Responsibility
Pay a small percentage of your medical bill and enjoy significantly reduced monthly premiums — plus a No Claim Benefit when you stay claims-free.
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What Is Co-payment?
You Pay a Small Share — the Insurer Covers the Rest
Co-payment (or co-pay) means that when you make a medical claim, you and the insurance company share the cost of the bill. Under our Allianz medical card plans, you can choose to co-pay either 15% or 5% of each hospitalisation bill — the insurer covers the rest.
Crucially, your share is capped each policy year — RM 1,000 a year on the 5% tier and RM 2,500 a year on the 15% tier. Once you reach the cap, the insurer pays 100%, so even a very large hospital bill cannot expose you beyond that annual limit.
In exchange for taking on this small portion of the bill, your monthly premium is lower. If you stay claim-free, you also keep a 20% No Claim Benefit on your Cost of Insurance.
How It Works
Step by Step
You are admitted to a panel hospital and your medical card is used for a cashless admission.
At discharge, you pay your co-payment percentage (e.g. 15% of the bill), up to your annual cap of RM 1,000 (5% tier) or RM 2,500 (15% tier).
The insurer settles the rest directly with the hospital — and once you hit your annual cap, it pays 100%.
While you stay claim-free, your 20% No Claim Benefit continues, keeping your premium lower.
Plan Comparison
Co-payment vs Standard Plan
| Plan Type | Monthly Premium | No Claim Benefit | Your Payment at Discharge |
|---|---|---|---|
| Co-payment 15% | Lower | Applies | 15% of the bill |
| Co-payment 5% | Slightly higher than 15% | Applies | 5% of the bill |
| Standard (no co-pay) | Highest | None | RM 0 — fully cashless |
Who Is This Best For?
The Co-payment Plan Suits You If...
- You want to keep monthly premiums low and are comfortable paying a small, predictable portion of any medical bill.
- You are generally healthy and do not expect to make frequent claims — the No Claim Benefit rewards claim-free years.
- You want full hospitalisation coverage but are looking to reduce your ongoing insurance commitment.
Want even lower premiums?
The deductible plan can reduce your monthly premium by up to 60%. Ideal if you have savings set aside as a buffer.