This is an upfront lump sum payment that you agree to pay towards your hospital stay or day surgery admission.
This applies to each person on your cover and there is a maximum amount for each person per membership year. Excess is $500 per person or $1,000 per couple or family per membership year.
If you have an excess, it will be $500 per person per membership year. On some covers the excess is waived for dependants, so check your product guide for details.
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.