Terminology varies. Some outpatient schedules use co-payment for a fixed visit charge, while other documents use it more broadly for cost sharing. Record the actual calculation, not only the label.
Illustration: a S$10 fixed contribution to a fully eligible S$40 visit leaves S$30 for the plan before any other applicable conditions. These are invented amounts for explaining the calculation.
Check whether the contribution changes for panel clinics, non-panel visits, specialist consultations or dependants. Do not describe a visit as completely free until the selected terms support that statement.
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
- Income Insurance: Employees FlexCare brochure (February 2026)
Reviewed 23 October 2026 · Source details