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Optional Excesses

Excesses are a simple way to reduce your premiums and you can choose from any of the excess options below.

Excess per person per year	Discount
£100	10%
£150	12.5%
£250	15%
£500	22.5%
£1,000	35%
£2,500	50%

Please note that excesses are not available on plan 3 option b and plan 4.

How does an excess work?

If you have an excess on your policy, this is what it means and how it is applied:

• An excess is the amount of money you must contribute towards the cost of any eligible treatment each policy year.
• The excess applies to each person covered by the policy in each policy year.
• The excess is deducted from any eligible treatment costs you incur.
• When a claim is made that involves an excess, we will pay the claim after we have deducted the excess amount.
• The excess is a single deduction that is made regardless of the number of individual medical conditions claimed for in that policy year.
• Should treatment continue beyond your policy's renewal date then we will apply the excess:
• Once against the costs incurred before this date, and;
• Again against the costs incurred on or after the renewal date.
• This is done irrespective of whether the costs relate to treatment for the same medical condition.

For examples showing how the excess works, please see the HealthCover4life Policy Booklet.

The information above applies to policies incepted or renewed after 1st January 2012. If you have an existing policy with PHC your policy may currently may have different benefits or terms and conditions. Please click here for further information., or alternatively please contact Policy Management on 01923 770000 to discuss the terms applying to your policy.