Health insurance excess
The higher the excess, the lower we can set your premium
As with home and car insurance, you can choose to pay a fixed sum - an excess – towards your treatment. You can set your excess at zero, £100, £250, £500 or £1,000.
Once you’ve chosen an excess, you choose whether you pay:
Once a plan year - even if you make two or more claims in the same plan year. If your claim carries on into the next plan year, you’ll need to pay the excess again. This applies to each person included on your cover.
Each time you make a claim - make two or more claims in the same plan year and you’ll have to pay an excess for each claim you make. When you claim for treatment of a particular condition, we consider it a new claim after 12 months. So you’ll need to pay the excess again for any treatment after this point. This applies to each person included on your plan.
The excess doesn’t apply to some benefits, including:
- NHS Hospital Cash Benefit
- Face-to-Face GP*
- Worldwide Travel Cover**
- Childbirth Cash Benefit
- Vitality GP
- Optical, Dental and Hearing Cover
- Weight loss and corrective surgery***
*£20 co-payment applies.
**A £50 excess may still apply to some sections of core cover.
***A 25% co-payment applies
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All it takes is a few minutes to get a quote online.
Frequently asked questions
Here are a few of the questions we’ve answered for our members
Need advice?
Call us on 0330 678 3326
Our team are on hand to answer your queries.
Lines are open:
Monday to Thursday 9am-8pm, Friday 9am-6pm, Saturday 10am-2pm
Sunday and bank holidays: Closed.
Calls to '03' numbers cost no more than a national rate call to a 01 or 02 number, whether from a mobile or a landline. If you get inclusive free calls to local rate numbers with your landline or mobile tariff, calls to '03' numbers will be included.
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