An excess is an upfront lump sum that you agree to pay towards your hospital stay or day surgery admission.
The excess applies to each person on your cover and there is a maximum amount
for each person per Membership Year. There are different excess options, depending on the product.
- Nil excess
- $500 per person or $1,000 per couple or family per Membership Year.
- $750 per person or $1,500 per couple or family per Membership Year.
Choosing to pay the higher $750 excess can help you reduce your premiums.
Please note: If the charge for your first admission is less than the excess amount, any remaining excess must be paid if you’re admitted again in the same Membership Year.
On some covers the excess is waived for any child, student or adult dependants. Check your cover details in your product guide for more information.