Copayment is a cost-sharing requirement under a health insurance policy that provides that the policyholder/insured will bear a specified percentage of the admissible claim amount. It does not reduce the sum insured. It is a bid to ensure optimal utilization of benefits by policyholders, whereby a percentage of the claim amount will have to be borne by the insured while the insurance company pays the balance. If you find this health insurance term confusing, then check out this comic strip to understand copayment better. To know more about our policies and find the best health insurance cover for yourself and your family, check out our health insurance plans.