UAE Pharmacy Co-pay Calculator

Divide the patient share by the total bill and multiply by 100. If the total was AED 300 and you paid AED 60, your co-pay is 60 ÷ 300 × 100 = 20%, and insurance paid AED 240.

Multiply the total bill by your co-pay percentage. At a 20% co-pay, a AED 250 bill gives a patient share of 250 × 0.20 = AED 50. The rest, AED 200, is the insurance share.

First get the total: divide what you paid by your co-pay percentage. Then take your share away. If you paid AED 60 at a 20% co-pay, the total was 60 ÷ 0.20 = AED 300, so insurance paid 300 − 60 = AED 240. This doesn't work at 0% co-pay, because there is no patient share to start from.

It's usually printed on the insurance card and stated in the policy's table of benefits. Many policies set a different co-pay for medicines than for doctor visits, so check the pharmacy line. The pharmacist can also see it when they swipe your card. If you have an old receipt, this calculator can work it out from the total and your share.

Insurers publish an approved list of medicines, called a formulary, and some medicines need the insurer's authorisation first. A medicine outside your cover is usually paid in full by the patient. In this calculator, choose Custom and enter 100%.

The co-pay is a percentage of whatever the pharmacy bills to insurance, so a discount taken before the bill is split lowers both shares. Enter the bill after the discount as the total.

Some UAE policies cap the total co-pay a patient pays in a policy year, and after that the insurer pays the full amount. The limit, if any, is in the policy's table of benefits. This calculator works on a single bill and doesn't track a yearly limit.