When you create your tailored plan, you have the option of adding deductibles. If, for example, you choose a deductible of $250, you will need to pay the first $250 of a covered claim or covered claims in any period of coverage directly to your hospital, clinic, or doctor at the time of treatment. So if your treatment costs are $500, you will need to pay $250, and Cigna Global pay the remaining $250 of covered costs. If a deductible is chosen, you would only have to pay this once during any cover period regardless of the number of claims. Cost-share is the percentage of every claim you will pay. The Out of Pocket Maximum is the maximum amount you would have to pay in cost-share per policy year.  Here is an example of the computation: You have a claim value of $20,000 You have a $500 deductible on your policy. You have a 20% cost share with a $2,000 out of pocket maximum. You would pay $2,500. Cigna Global would pay $17,500 After you paid your deductible of $500, your cost share is 20% of $19,500 ($3,900). This is more than your out-of-pocket maximum of $2,000, so you would only pay $2,000 which is the out-of-pocket maximum. In total, you will be paying $2,500, which is the sum of the cost-share and the $500 deductible you paid at the outset. Cigna will cover the remaining $17,500 of the claim value. Read: Co-Pays and Deductibles in your International Health Insurance Plan