The excess shown on your certificate of insurance is the amount you will have to pay towards the cost of your treatment. If your plan has an excess and the benefit you are claiming for has co-insurance and/or limits, we will apply the co-insurance first, then the excess, then the limit. If you have chosen a plan which has an excess per claim, this is the amount you will have to pay each time you make a new claim for treatment covered by your plan. New claims are those that are for a condition which is not related to an existing claim. If your claim is for the treatment of a chronic condition, AIDS/HIV, or for out-patient follow-up consultations and/or tests for cancer and the treatment continues into a new period of cover, we will treat it as a new claim. In these circumstances we will reapply the excess at your plan renewal date and each subsequent plan renewal until the claim is finished. If your claim is in respect of the well-being benefits, your excess will be applied once per period of cover. If your excess is per annum it will be applied once per period of cover. For example, if your excess is US$250 per annum, we will not pay for the first US$250 of eligible expenses you incur during your period of cover. We will apply one excess per period of cover irrespective of the number of claims you make. You must submit all eligible claims to us – even claims within your annual excess, as we will only be able to reimburse you when the value of the eligible expenses you incur exceeds the amount of your annual excess. When you renew the plan, the annual excess will apply again in respect of your new period of cover.