A co-payment is the patient's required share of an eligible healthcare expense under health insurance. Depending on the plan, it may be a fixed amount or a percentage. It is different from a premium and can apply even when the treatment is covered and the benefit limit has not been exhausted.
A hypothetical 20% co-payment on an eligible NPR 50,000 bill would leave NPR 10,000 payable by the patient before other adjustments. In Nepal, public and private arrangements can use different rules. Confirm the current requirements with the relevant scheme or insurer rather than transferring one plan's rules to another.