The provider your scheme names as the no-extra-cost option.
A scheme can name specific hospitals, pharmacies, or doctor networks as its Designated Service Providers. Using a DSP for a PMB condition means you shouldn't face a co-payment; going outside the DSP network for a non-emergency generally means you will, unless no DSP is reasonably available.
More jargon
Open scheme · Restricted scheme · PMB (Prescribed Minimum Benefits) · CDL (Chronic Disease List) · DTP (Diagnosis Treatment Pair) · Co-payment · Waiting period · Late-joiner penalty · Savings account / above-threshold benefit
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