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Reducing your health insurance premiums
Once you have chosen your cover options, the next stage is to decide whether you would like to reduce your health insurance premiums, with an excess or co-payment, and then select your preferred hospital list. 
Adjust your health insurance 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 policy 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 policy year, but only up to a maximum of £1,500 per person per policy year. 
Below is a table to illustrate the savings you can make by choosing an excess or co-payment on your cover: 
Discount Option Approximate 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 the health insurance 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. 
"Everything has gone splendidly, joining was easy and all the documentation arrived swiftly, it couldn't have been easier, we're very pleased."
Mr A Brown
Civil Service Healthcare Society Limited incorporated in England and Wales.
Registered Office: Princess House, Horace Rd, Kingston upon Thames, Surrey. KT1 2SL.
FSA reg. no. 205346.