Should you choose zero copay for your health insurance? Why? Why not? Explained

Zero-copay health insurance means you pay nothing towards an eligible claim; the insurer pays the whole eligible amount. It reduces hospitalisation pressure, but premiums are usually higher. Fine print still matters: room rent limits, waiting periods, deductibles and excluded treatments apply. Routine consultations, medicines and preventive checkups may still not be covered. Compare premiums, coverage and your ability to handle a big bill before choosing.