How it calculated in the claims?

Example: If a insured person has a helath insurance claim where 10% co payment will be applicable on each claim and he/She has registered a claim of Rupees 100000/and after all deduction including non payable,non medical payable amount is 90000/-now co payment will be applicable on 90K( 90000*10/100=9000) Now amount which will be paid to insured will be 90000-9000=81000/- so insured person has to bear the cost of non payable amount.