Co-payments are most common on GP and specialist plans. An employee might pay S$5 or S$10 at a panel GP, and the plan pays the rest of the eligible bill.
A small co-payment lowers the premium and discourages visits that are not needed, while keeping clinic visits affordable. Plans without a co-payment cost more.
Among the plans in our calculator, several GP plans carry a S$5 or S$10 co-payment at panel clinics, and the higher plans often have none.