Excess Options

What is an excess?

Choosing an excess allows you to reduce your standard contribution rate. In these circumstances, if you are admitted to hospital, you agree to pay an amount up front towards the cost of your hospitalisation. 

For each Hospital product a per person excess applies together with an annual maximum each financial year (1 July – 30 June). 

As a special feature, the excess payable for day only treatment or for any public hospital admission, is only half of the standard per person excess.

If you do not have an excess with your Private Plus Hospital cover, the following is not applicable. If you do have an excess with your Private Plus Hospital cover, the following excess is payable when admitted to a hospital:

  • The most excess an individual contributor will pay in a financial year is $250
  • The most excess a family will pay in a financial year is $500
  • Excesses apply to hospital services only