Co-payment (symmetochi)
A co-payment (or co-insurance) is the part of a covered cost that you bear, usually as a percentage — e.g. the insurer pays 80% and you pay 20%. It is most common in health insurance and applies even when a benefit is covered: cover reduces, but does not zero, your cost.
Also known as: Co-insurance
A co-payment is usually a percentage of covered expenses. A deductible can be an amount or percentage with its own calculation. A programme may have both. Check the order in which they apply.
In your own health policy, look for “συμμετοχή”, “ποσοστό συμμετοχής” or “συνασφάλιση” in the terms of each benefit — it varies per cover and per pathway (e.g. with or without a referral). PolicyWallet surfaces the co-payments in your document, so you know what you will pay even when a benefit is covered.
Upload your policy — free summaryFrequently asked questions
What is the difference between a co-payment and a deductible?
A co-payment is usually a percentage of expenses. A deductible can be an amount or percentage and apply per event or year. The terms explain how they combine.
Do I pay a co-payment even if the treatment is covered?
Usually yes. Cover reduces your cost by the insurer's share, but your co-payment remains unless the policy states otherwise.
Related
Educational content, not insurance advice. PolicyWallet explains what the term means and helps you find it in your own document — it does not assert what your policy covers.