Co-insurance of 0%, 30% or 90% depending on disease category Co-payment for medicines only in case if their highest acceptable value is lower than the regulated price and the patient refuses to take equal medicine which regular price does not exceed its highest acceptable value – just in such a case patient is obliged to pay co-payment. - Prescribed drugs lists: 1. (P=positive list): * P100 (drugs covered 100% by CHI for children and students till accomplished 26 years of age and for certain high risk groups and patients with certain diseases defined by the Act ); * P 70 (drugs covered 70% by CHI - 30 % cost-sharing or covered by VHI); - reference pricing system for mutual interchangeable drugs (co-payment abow reference price); - reference pricing system for therapeutic drugs groups. PC 100 and PC 70 (drugs in positive list covered 100% or 70% by CHI of its highest acceptable value determined by HIIS). 2. (V=intermediate list): -*V(drugs covered 10% by CHI) -*VC (drugs in intermediate list covered 10% by CHI of its highest acceptable value determined by HIIS)