An excess is the amount you’ll have to pay towards treatment when you make a claim.
The excess you choose can have a big impact on the cost of your health cover. So, it’s important to understand how it works.
If you choose to have a higher excess, your policy could be cheaper. But, if you do choose a higher excess, you’ll have to contribute more when you make a claim.
With our health cover, your excess is payable just once per policy year.
For example, imagine your excess is £250. If you made a claim for £500 in the first month of your policy year, you would pay £250 towards this. We would pay the remaining £250. After this, you wouldn’t need to pay excess again until you started a new policy year.
Not every private health insurance policy will have the same kind of excess, so it’s important to consider all the excess options available. Both of our health insurance policies, Treatment and Care and Comprehensive offer flexible excess options. You can choose £0, £100, £150, £200, £250 or £500.
Learn more about health insurance excess