Given below are the loss-sharing conditions for the policyholders under this policy- 1. 20% co-pay if the optional cover of voluntary co-pay has been selected 2. Expenses if exceeding the limit for the following features- Rom rent beyond 1% of the Sum Insured ICU/ICCU expenses more than 2% of the Sum Insured Proportionate deduction on other expenses arising at the hospital (excluding the cost of medicines) if room rent or ICU/ICCU are incurred more than the aforesaid limit. It is waived off if No Proportionate Deduction option is selected Cataract beyond 20% of the Sum Insured or Rs. 50,000, whichever is less