An excess is the amount you pay up front if you go to hospital.

You can choose an excess on your cover to save on your premium. The higher your excess, the less you pay in premiums.

Other things you need to know about your excess:

• There’s no excess for kids under 21
• If you go to a Public Hospital or Day Surgery you only pay half the excess
• You only pay the excess a maximum of once per person per year

The good news is, no matter how many times someone on your membership goes to hospital during a financial year, the most excess you’ll pay is: