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A co-payment is the share of the vet bill you pay yourself on each claim. It is shown on your policy schedule as a percentage.
Depending on the plan you chose, your co-payment is 10%, 30%, or 50%. That means we reimburse the rest of the eligible amount, so 90%, 70%, or 50%.
The co-payment is worked out on the claimable portion of the bill, after we remove any items that are not covered. If your policy also has a deductible, that is applied on top of the co-payment. To check which co-payment applies to you, look at the schedule in your policy document.
Oyen® Pet Insurance is a digital-first insurance agency for consumer insurance products like pet insurance in Malaysia.
We are a registered takaful agent for Zurich General Takaful Malaysia Berhad (201701045981) and insurance agent of MSIG Insurance (Malaysia) Bhd (197901002705).
Emerge Insurtech (M) Sdn Bhd (202101001225):
Formerly known as Riskflow Sdn Bhd
Level 28, GTower, Jalan Tun Razak,50450 Kuala Lumpur, Malaysia
t: +6016 299 6840 (9am-5pm, Mon to Fri)
email: hello@oyen.my
