Increasing the excess
You can choose to increase the excess and this will result in a reduction of your premium of up to 50% depending upon the excess you select.
The following options are available:-| EXCESS OPTIONS | Bronze | Silver | Gold | Platinum |
| Nil Excess | Base Rate | Not Available | Not Available | 20% Loading |
| £30 or US$50 or €45 | Not available | Base Rate | Base Rate | Base Rate |
| £60 or US$100 or €90 | Not available | 5% discount |
5% discount |
5% discount |
| £250 or US$400 or €375 | 5% discount |
15% discount |
15% discount |
15% discount |
| £500 or US$800 or €750 | 10% discount |
20% discount |
20% discount |
20% discount |
| £1,000 or US$1,600 or €1,500 | 15% discount |
30% discount |
30% discount |
30% discount |
| £3,000 or US$5,000 or €4,500 | 30% discount |
40% discount |
40% discount |
40% discount |
| £6,000 or US$10,000 or €9,000 | 50% discount |
50% discount |
50% discount |
50% discount |
If you choose an increased excess, the excess will not just apply against out-patient and dental claims, it will apply against the total cost of each claim. When treatment for a claim runs into a new period of cover, the excess will be applied again.