Once you have chosen your cover options, the next stage is to decide whether you would like to reduce your premiums, with an excess or co-payment, and then select your preferred hospital list.

Adjust your premium to suit your budget by opting for a voluntary excess or choose our co-payment option. By selecting an excess, and agreeing to pay a set figure towards the cost of your treatment per person each year, you’ll receive a discount off your premium. The bigger the excess, the bigger the discount. Alternatively, our co-payment option shares the cost of treatment between you and ourselves. You pay 15% of each claim, per person per year, but only up to a maximum of £1,500 per person per year. 

 Below is a table to illustrate the savings you can make by choosing an excess or co-payment on your cover:

 

Discount option	% discount
£100 excess	10%
£300 excess	25%
£500 excess	35%
£1000 excess	60%
Co-payment option	40%

Both the voluntary excess or co-payment are only available on the Essential, Expert Diagnostics and Heart & Cancer options. Only one level of excess or co-payment option will apply to your policy.

 

A 4% discount will be given to members when premiums are paid as a single annual contribution in advance by Direct Debit, Debit Card or Cheque, or 2% when paid by Credit Card.

Full details of how an excess and co-payment work can be found in the Policy Document, available in the library page of this website.