The deductible amount is applied based on the specific terms and conditions of the insurance policy. The co-pay amount is paid out-of-pocket by the member/insured when they claim coverage for outpatient visits and/or diagnostic tests, as per the policy terms and conditions.

Most comprehensive insurance plans in the UAE typically offer the following co-pay options:

• ·       0% (Nil) co-pay
• ·      10% co-pay
• ·       20% co-pay (AED 50 or 20% co-pay, whichever is lower)

For group insurance plans, you have the options to choose from such as 20% with a CAP.