Aggregate Deductible vs Co-payment Explained: Which One Should You Choose?

2 min 7 sec · 29 September 2026 · nyvo

An aggregate deductible and a co-payment both make you share a claim, but not in the same way. On the same ₹5 lakh hospital bill, a deductible costs you once a year, while a co-pay takes a share of every bill. Kshitij Jain, nyvo's co-founder, walks through one ₹5 lakh claim to show who pays what under each, how the deductible can be claimed from your corporate cover, and which of the two nyvo recommends.