Query on Co-Payment
I have base policy of Rs.10 lakhs in Manipal Cigna company and super top up of Rs. 20 lakhs in care health. In care health there is a co-payment of 20% i need to pay on admisable medical expenses and in manipal cigna there is no co-payment.
My query is if i get hospitalised and the total admisable expense is 30 lakhs, how much co-payment should i pay. Will care health take co-payment 20% on it's policy sum insured of 20 Lakhs or will the company take the 20 % on total hopital admisable expenses of 30 lakhs ? including for the claim 10 lakhs settled by Manipal cigna company.