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.
Choose how your excess works
Once you’ve chosen an excess, you can decide how you pay it:
Once per plan year
(per person)
You'll only pay your excess once per plan year for each person on the plan.
- If you make more than one claim in the same plan year, you won’t pay the excess again for that person
- If your treatment continues into a new plan year, you’ll need to pay the excess again
- Each person on the plan has their own excess
Each time you claim
(per person, per claim)
You'll pay an excess each time you make a claim.
- This applies to every new claim you make
- If you claim again for the same condition after 12 months, we treat this as a new claim
- Each person on the plan pays their own excess for each claim they make
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
Closed: Sunday and bank holidays.
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.
Want to get a health insurance quote online?
It only takes two minutes.
