Excess

An excess is an amount you elect to contribute towards the cost of your hospital treatment (including same day surgery and procedures, such as chemotherapy and dialysis). Agreeing to pay an excess if you need hospitalisation reduces the amount of premium you pay. An excess is only payable once per adult per calendar year.

The hospital excess is not charged for dependants*.

Note: Reducing your excess is considered to be upgrading your membership. We will charge your previous excess within the first two months of the upgrade, *including for adults who are upgrading their level of cover by joining/re-joining as a dependant on a family membership.