What is a health insurance excess?

I am looking into a private health insurance plan and am unsure of whether or not I should include an excess

Question asked by Thomas Pearson
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Answered by Tom Conner

An excess is a common option to consider when looking into private medical insurance. An excess can often range from as little as £50 per person per policy year up to over £1,000 per person per policy year.

How does an excess work?

The excess is defined as the monetary amount you wish to pay towards any treatment,  it is important to look closely at the terms of any policy as some insurers require the excess to be paid per claim where others simply require the excess to be paid on the first claim in any policy year regardless of the number of claims made.

Let us assume you take out a plan with a £100 excess and it is a plan which requires the excess to be paid only once per policy year, including the £100 excess will reduce your premiums as you are taking on a proportion of the cost of a claim yourself.

Should you require treatment and opt to use your private medical insurance you would be required to pay the first £100 towards the treatment, any further treatment in that policy year related or not, would not require a further excess payment.

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This information does not constitute financial or other professional advice. You should consult your professional adviser or contact us directly on 02084327333 should you require financial advice. It is important to ensure any insurance policy you take out is suitable for your needs.
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