What is a co-payment?
Medical schemes seldom cover 100% of any medical bills. A co-payment is the portion of the bill for which you are responsible. If your medical scheme pays 100% of the NRPL tariff and your doctor charges more than the NRPL tariff, you will be liable for the difference.
For example: your account is for R3 500, but the NRPL tariff, might only be R2 500. The scheme will then pay R2500 and you will be liable for the difference on R1 000. Some schemes specify certain hospital procedures where you have to pay something towards the hospital account. This can very from R1 000 to R5 900.