Question: My health insurance policy has an annual deductible of ₹25,000 and a 20% co-payment on the balance above the deductible. If I have a hospital bill of ₹1,80,000, how much will the insurer pay, and how much will I have to pay out of pocket in total?
Answer: Insurer pays approximately ₹1,24,000. I pay approximately ₹56,000 out of pocket in total (the ₹25,000 deductible plus ₹31,000 co-payment).

Supporting evidence:
title: Inline formula / method note
quote: Standard deductible-and-co-payment claim computation used in indemnity health insurance policy conditions
context: Standard deductible-and-co-payment claim computation used in indemnity health insurance policy conditions.