Co-payment system - what do you have to pay for health care?

The price in the example is based on the individual paying the general price. Other prices apply for senior citizens, disabled persons and children.

Start of service

• The healthcare is used by an individual for the first time in 6 months. The fee for the service is 35.000 ISK.
  - The individual only pays the maximum amount of 34.950 ISK.

• Next month, he or she will have to go for a test which costs 47.000 ISK.
  - Only 5.825 ISK will be paid.

• Later that same month, he/she returns to the doctor and the fee is 3.500 ISK.
  - He/she pays nothing for the visit where he/she has reached the maximum payment for that month.

Service resumed in a few months

Now this individual does not have to use healthcare services again until two months have passed. This will be accumulated and the maximum fee for the next visit will be 2 x 5.825 ISK or 11.650 ISK.

• Two months later, he is to undergoes an examinations that costs 8.000 ISK.
  - The full fee of 8.000 ISK will then be paid.
  - The difference of 11.650 - 8,000 = 3.650 ISK is carried over to the next payment due.

• The following month he/she goes to the doctor, and the fee is 15.000 ISK.
  - The bank pays 5.825 + 3.650 = 9.475 ISK.

• If this individual does not use health services in the following months, the fee he/she has pay next increases by 5.825 ISK each month. After 6 months the maximum is reached, 6 x 5.825 = 34.950 ISK, and the fee will not increase more even if more months pass.