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 medical fund tariff and your doctor charges more than that, you will be liable for the difference.
For example: your account is for R3 500, but the medical fund 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.
Susan Erasmus is a freelance writer for Health24.