What are the costs and co-payments for these plans?

[Neha]

Tell me what the exact co-pay requirements, room rent limits, and total out-of-pocket costs are for the suggested specialized plans, and how they practically compare to PMJAY's 5 lakh cover?

[Reema]

hey @Neha basically, PMJAY is a great free option from the government that provides you with up to ₹5 lakh in coverage without requiring you to pay any premiums. It’s completely cashless; however, it generally covers stays in general or shared wards.

Private plans offer improved room choices and higher coverage, but require an annual premium. Just be cautious of "co-pays," where you might still need to cover 10–25% of the bill yourself. If you want more flexibility and a private room, opt for a private plan; if you’re looking for the basics for free, PMJAY is the way to go.