Hospital excess

An excess is the amount you elect to pay towards your hospital admission, before we pay a benefit. It's one of the things you can't claim back. Selecting an excess means your premiums are lower.

The excess is only payable if you, or someone on your policy, go to hospital - it does not apply to Extras cover.

The number of times an excess is payable per calendar year varies depending on your cover. Contact us or login for more information about the excess on your policy.

Important: Please note that if you change your cover to a lower hospital excess and you're still serving waiting periods, your previous hospital cover excess may apply. See hospital waiting periods and the Policy Booklet for more information.

Good news for families: If you're on a selected family cover, you won't pay an excess if one of your child dependants (up to 21 years of age) has to go to hospital. Before going to hospital, you should always check your cover's hospital excess.