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What is an excess?

An excess is the amount you elect to pay towards your hospital admission before we pay a benefit. Selecting an excess means your premiums are lower. Depending on your health cover, you'll have to pay the excess each time you are admitted to hospital. But we cap it to a set amount per year. The amount varies depending on your health cover.

Important: Please note that if you change your cover to a lower excess and you're still serving waiting periods, your previous hospital cover excess may apply.

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.

Call us on 13 49 60 and speak to one of our Consultants about your health insurance needs. For more information, please refer to the Policy Booklet.