Identify whose share the percentage describes: “80% reimbursement” and “20% co-insurance” describe opposite sides of a split. Confirm the calculation order with any deductible, pro-ration and limits.
Illustration: if the eligible amount after all other adjustments is S$500 and the insured person’s share is 20%, that share is S$100. This arithmetic example does not establish any actual plan’s terms.
Ask for a worked claim example using the quoted policy. Keep the percentage and the amount to which it applies together in your comparison.
Sources
- MoneySense: Health insurance terms: Know what you are paying for
Premiums; deductibles and co-insurance; exclusions; riders. Retail-health examples are not universal group-policy terms.
Reviewed 23 October 2026 · Source details