Co-insurance means you are to share a portion of expense incurred. This is usually to curb claim abuses and to instill a sense of responsibility to the public.

To illustrate, say your medical bills comes to RM 4000.00 and the co-insurance is 10%. That means you'll have to fork out RM400.00 and the insurance company would absorb RM3600.00.

However, do note most insurance companies have other conditions attached hence it's best to check on your policy or agent.

Cheers,

HH