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Frequently Asked Questions

What is an excess charge?

An excess is an amount you will pay towards the cost of your hospital treatment. Basically, the higher the excess on your cover, the lower your premium. There are excess options available. You can choose to reduce the hospital excess and pay an additional amount in your premium. An excess applies per person for each calendar year and doesn't apply to children on your membership. It's important to note that you may have other out-of-pocket expenses.