How does an excess work?

There are two types of excess available on our health insurance plans.

1/ ‘Per claim’ excesses

A ‘per claim’ is the amount you’ll pay each time you make a new claim for treatment of a condition covered by your plan. If you subsequently suffer a new occurrence of that condition, we’ll treat it as a new claim, and you’ll need to pay the excess again. If your course of treatment for a condition spans two periods of cover, you’ll need to pay the excess again when your plan renews.

2/ ‘Per annum’ excesses

A ‘per annum’ excess is the amount you’ll pay toward the cost of your eligible treatment in each period of cover. We’ll pay for eligible treatment costs exceeding your excess amount. When your plan renews, your excess resets and you’ll again pay your excess toward the cost of your eligible treatment in your new period of cover.