The premium you see is the amount that you’ll pay each month for your health plan. Once you’ve selected a health plan to personalise, you can choose a different payment frequency. You can choose to pay your premiums annually, half-yearly, quarterly or monthly by direct debit or credit card. You can also pay by cheque or bank transfer, but monthly payments won’t be available if you choose one these payment methods. Paying annually is the cheapest option overall. Payments are subject to the following administration surcharges: 3% surcharge if you pay half-yearly and a 5% surcharge if you pay monthly or quarterly.