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, when making claims for Vitality GP, Lifestyle Surgery, NHS Hospital Cash Benefit and Childbirth Cash Benefit. This excess would also not be applied to claims made under the Optical, Dental and Hearing Cover option and also the Worldwide Travel Cover option where a different excess may apply. We pay for the rest of your treatment, up to any limits on your plan.