When do I pay the excess?

If you have an excess on your Hospital cover, you’ll only pay the total excess once per person, per calendar year (a maximum of twice per membership, for Couple, Family and Single Parent memberships).

You won’t pay an excess for kids (dependants) on your cover if they’re aged under 32, unless you’re on Basic Hospital (Basic Plus).

If you have Top Hospital (Gold), you won’t pay an excess if you’re admitted to a public hospital.