Insurance firms consider 10% co-payment rule for health policies: Report

Non-life insurers are considering a new 10% co-payment rule for retail health insurance policies from January 1, 2027, The Times of India reported. Under the proposal, policyholders would pay 10% of eligible hospitalisation expenses, with their contribution capped at ₹5 lakh per claim. In return, the policies would offer lower annual premiums, the report said.