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Our team of Personal Advisers is available on +44 (0) 1892 556 276
I have an excess on my policy – how does this work?
If you have an excess on your policy, this is what it means and how it is applied:
An excess is the amount of money you must contribute towards the cost of any eligible
treatment each policy year.
The excess applies to each person covered by the policy in each policy year.
The excess is deducted from any eligible treatment costs you incur.
When a claim is made that involves an excess, we will pay the claim after we have
deducted the excess amount.
The excess is a single deduction that is made regardless of the number of individual
medical conditions claimed for in that policy year.
Should treatment continue beyond your policy’s renewal date then we will apply the
excess:
Once against the costs incurred before this date, and;
Again against the costs incurred on or after the renewal date.
We will do this irrespective of whether the costs relate to treatment for the same
medical condition.
We will not apply the excess against medical costs for treatment that your policy does
not cover.
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