Most of the plans I've been looking at say that you have a $100 premium per condition. Or a $50 premium if you go to a student clinic - but I found out I'm not eligible to do that since I'm not paying the health levy by way of paying fees at that institution. I'm guessing... That is per doctors visit really (in the sense of getting sick and going to the doc). That looked fairly expensive to me...

This one has a 20% co-pay - I've just noticed up to a maximum co-pay of $5,000 of medical expenses (so worst case I pay up to $1,000 of medical costs) then I'm 100% covered until I hit the maximum payouts.

I was trying to figure around how much a 20% co-pay would be to see a GP... How much does it cost to see a GP (family doc) in the US? Less than one hundred? If so... Then a 20% co-pay would be less than $20...

(It is hard to figure whether 'fixed premium' or 'co-pay' plans are better since I don't know the cost of things to figure out whether the premium or the co-pay amounts are comperable... E.g., would you rather pay 20% of an inpatient visit or have up to $750 per day of an inpatient visit covered? Depends on the cost of an in-patient visit, I guess...)