Yes, in case of hospitalization, the first USD 100 has to be paid by you. In case of physician visit, USD 100 per illness. For example if you visit a doctor for malaria and he charges you a fee of USD 75 per visit, and you need to visit him five times the total bill in this case would be USD 375, you'd have to pay the first USD 100 and rest USD 275 will be paid by the company.