Health Insurance Deductible & Co-pay Calculator
Estimate insurer payment and your out-of-pocket cost after admissibility, deductible, co-payment, sub-limit and sum insured.
How this estimate works
Policies may apply limits and cost sharing in a different order. Use the claim calculation method in the policy wording; this model is for understanding the effect of each component.
Check your inputs & compare scenarios
Replace the examples with your current figures. Keep the currency and time period consistent with each field. Save one scenario, then change an amount or rate to compare the effect. Reopened scenarios calculate with current rules; your original result stays in history.
Report a calculation issue with this page URL and non-sensitive example inputs.
Questions & answers
Frequently asked questions
What is the difference between a deductible and co-payment? +
A deductible is the specified amount applied before benefits become payable. Co-payment is the specified share of the admissible claim that the insured must bear.
Which policy documents should I check? +
Use the policy schedule, Customer Information Sheet, benefit illustration and insurer quotation. Enter the exact cover, premium, factor, sub-limit or charge shown for your policy.
Does this replace an insurer quotation or professional advice? +
No. It is a planning estimate. Underwriting, medical history, exclusions, waiting periods, tax treatment and product-specific terms can change the final premium, benefit or claim.