The policy excess (or deductible) is the amount which is deducted against any claims. So, for example, if you have a small medical claim which was £250 and the claim was approved, our claims service would debit £75 from the claim and you would receive £175.
The excess varies depending on which policy you take out and is clearly displayed when you buy your insurance. You can also choose to zero down all excesses to zero when you apply for your policy, and this would apply to all claims except for any air ambulance or helicopter services in Nepal which is required for any respiratory condition where the £750/€900 excess cannot be waived.