Private Health Insurance Excess

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At General & Medical, we pride ourselves with our flexibility when it comes to your budget and that’s why we offer you different ways to reduce your premium.

You can, of course, choose a lower level of cover, for example by choosing Lifestyle instead of Lifestyle Plus or by restricting your hospital choice to First Choice only. In addition, you can also significantly reduce your premiums by adding an excess to your policy.

Private Health Insurance Policy Excess

An excess is an amount agreed in advance that you or each person on your policy pays towards the cost of a claim. For example, if you choose a £250 excess per claim and your treatment for one eligible claim costs £5,000, you would pay the first £250 and we would pay the rest.

You can add an excess of £75, £100, £150, £200, £250, £500, £1000, £2000 or £3000. At the start of the policy, you choose whether the excess applies once per policy year or to each claim. If you choose an excess per policy year and your treatment for an eligible claim carries on into the next policy year, another excess will apply.

Remember - the higher the excess, the lower your monthly payments. For example, even an excess of £250 per claim could reduce your monthly payments by over 20%!

The important thing is to choose a level of excess that you can comfortably afford.

Choice of Cover Modules, Options and Upgrades

Our policies can be adapted to suit your needs and budget. You have the option to select what hospitals you have access to, what your excess is and whether you would like to add optional worldwide travel cover. You can also decide on whether you would like to disclose your medical history and add cover for pre-existing conditions.

View all Cover Options

Get a Quote

To get a free, no-obligation quote today please click the button below, or you can contact us.

Phone:
0800 980 4601

Email:
sales@generalandmedical.com

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What's next?

We want to suit your needs and budget, take a look to see what cover options we have available for you. We can adjust your premiums with different excess levels, a lower level of cover and different hospital choices.

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To find out more about how we can help you then give us a call and a member of our friendly team will be on hand to help out.

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