An amount you agree to pay per admission when you go to hospital in exchange for a lower premium. Peoplecare lets ‘kids eat free’, meaning that you don’t have to pay an excess to go to hospital for kids under 21 who are covered by a family policy.

Our excesses are halved if it’s a day stay and the full excess for an overnight stay and longer. You only have to pay your full excess once each financial year on single covers and up to double your excess on couple and family covers (e.g. the full excess for two parents on a family cover).