On the quotation, it stated subject to 10% co-insurance, subject to a maximum of RM500

20% co-insurance, with no max cap for plan sm100 & sm150 if upgrade room and board

20% co-insurance, subject to a max of RM3000 for plan sm200/300/400, if upgrade room and board

So, exactly how much co-insurance I need to pay if i admitted to hospital? If have a kidney failure treatment, the co-insurance apply to the total bill or some of the charges?