Copayment insurance, the insured has to pay an amount in addition to the insurance premium in order to use the services.
But, with no-copayment the insured does not have to pay any extra fee, only the cost of the premium.
The advantage of an insurance with copayments is that they have a lower premium cost while still providing the same coverage.
copayment options
Companies offer different options for the same product with low, medium or high copayment.
Some products have a monthly limit, meaning that if you go over the limit, you do not have to pay any additional costs.
Most companies charge copayments on a monthly basis. And some of them they have a monthly limit.
If you don´t use the insurance frequently, a medium copayment may be a good idea, so the cost will be lower.
If you will use the insurance more frequently, you may want to contract an insurance with no-copayments.
Health insurance with no-copayments is mandatory as a requirement to obtain visas, foreign student permits or residence permits in Spain.
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