Excess fees

An excess is the amount of the claim you must pay. It is not covered by this insurance, and we will deduct it from the claim.

Excess applies only to each event of claim.

Example 1:
If your policy excess is $100 and your total claim is $150, if we agree to pay your claim, then you need to pay the full $150 at the time of treatment, and we will refund you the $50 remaining once your $100 excess has been deducted.

Example 2:
If your policy excess is $100 and your total claim cost is only $50, there is no claim refund to consider as you need to pay the first $100 as per your policy excess. In this case, you would not submit a claim.