Insurance post-deductible coinsurance split calculator

Calculate insurer payment and policyholder share with your own figures.

Your numbers

Use the units shown. Results update as you change valid inputs.

Choose the currency for these amounts. Changing it keeps your numbers and does not convert exchange rates.

Use insurer payment and policyholder share to compare changes to your inputs. The method and limits below explain the scope.

Examples

Examples

Try the starting example

Eligible loss after deductible (USD)
1000
Insurer share (%)
80
Remaining benefit limit (USD)
10000
Insurer payment (USD)
$800.00
Policyholder share (USD)
$200.00

Try another scenario

Eligible loss after deductible (USD)
1001
Insurer share (%)
80
Remaining benefit limit (USD)
10000
Insurer payment (USD)
$800.80
Policyholder share (USD)
$200.20
Calculation method

Calculation method

Insurer payment (USD)

Insurer pays min(eligible loss × entered insurer share,remaining limit); remainder stays with policyholder.

Policyholder share (USD)

Insurer pays min(eligible loss × entered insurer share,remaining limit); remainder stays with policyholder.

Symbols and units
a
Eligible loss after deductible (USD)
b
Insurer share (%)
c
Remaining benefit limit (USD)

Use the units shown. A list keeps the order in which you enter its values. The symbol ^ means “raised to the power of”.

Assumptions & limits

Assumptions & limits

  • User-supplied measurements and assumptions; Insurer pays min(eligible loss × entered insurer share,remaining limit); remainder stays with policyholder. Supported limits: Finite numeric values bounded to 1e9 magnitude; lists and tables contain 1–100 records unless a stricter bound is stated. Inputs use the units shown. Lists explicitly paired by a method must have matching lengths; independent polynomial coefficient vectors may differ. Respect stated physical, interpolation, policy and computational domain limits.
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