Any current/Ex IBM please guide me to Opt In/Out of the IBM's Medical Insurance.

To start of there is a co share of premium for a base sum insured of 3L which comes around 1790/-

Then skipping the benefits for a second if I jump on to the claim part there is a Copay of 10-90. Employee will have to bear 10% of the claim and insurer will bear the other 90%. For dependents 20-80 Copay.

Are the benefits are good enough to consider copay and subscribe ? Please Suggest.

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Do they deduct Rs. 1790 per annum or monthly? that too for employee's base insurance?

Yeah 1500something + taxes

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