This is a form of cost-sharing whereby out of the total amount paid for a medical treatment, the policyholder pays a percentage of the cost. Of course, this can be a risky type of medical insurance to purchase if you get very sick or require an expensive procedure. Some health insurance plans might have a fixed deductible per visit, combined with co-payments for specific benefits. In Dubai, it is common to see a 10% co-payment for maternity benefits, and up to a 20% co-payment for dental benefits.
The type of deductible you choose has a direct impact on the premium. For example, if you take a health insurance policy with the exact same benefits except for the fact that one has an AED 30 deductible per visit, while the other has a 20% co-pay, the second option will be 21% cheaper.