Excesses

Resident (GII) Health Plan

This plan has a compulsory excess of €100, and this means that you will not be entitled to claim the first €100 of eligible benefits per policy year. The compulsory excess is applied against your benefits and not the expenses.

Additional voluntary excesses available (in addition to the €100 compulsory excess)

  • 10% discount for €500 excess
  • 20% discount for €1000 excess

How it works:

  • The compulsory excess is included as part of the voluntary excess, for example if you choose for the €500 voluntary excess this includes your compulsory excess of €100. Therefore your total excess is €500 and not €600.
  • Regardless of how many conditions you have or how many treatments you undergo, the excess is only deducted once per person covered by the policy, per policy year.
  • The excess starts again at your renewal date and so if you have any treatment which spans two years, the excess will be applied twice, once for each year.
  • Any benefit entitlement foregone because of the excess still counts towards your benefit limits as if we had paid the benefit in full.

Please refer to the Resident (GII) Health Plan Policy Document for examples of how the excess works in practice.

Interplan Euro

If you choose a voluntary excess, this means that you will not be entitled to claim that excess value in eligible benefits per policy year.

This is in exchange for the discount on your premiums.

Excesses available:

  • 5% discount for €150 excess
  • 10% discount for €300 excess
  • 15% discount for €500 excess
  • 20% discount for €750 excess
  • 25% discount for €1000 excess.

How it works:

  • Regardless of how many conditions you have or how many treatments you undergo, the excess is only deducted once per person covered by the policy, per policy year.
  • The excess starts again at your renewal date and so if you have any treatment which spans two years, the excess will be applied twice, once for each year
  • Any benefit entitlement foregone because of the excess still counts towards your benefit limits as if we had paid the benefit in full.

Please refer to the Interplan Euro Policy Document for examples of how the excess works in practice.

Interplan Worldwide

If you choose a voluntary excess, this means that you will not be entitled to claim that excess value in eligible benefits (including hospital cash benefit) per policy year.

This is in exchange for the discount on your premiums.

Excesses available:

  • 7.5% discount for £100 excess
  • 12.5% discount for £250 excess
  • 17.5% discount for £500 excess.

How it works:

  • Regardless of how many conditions you have or how many treatments you undergo, the excess is only deducted once per person covered by the policy, per policy year.
  • The excess starts again at your renewal date and so if you have any treatment which spans two years, the excess will be applied twice, once for each year
  • Any benefit entitlement foregone because of the excess still counts towards your benefit limits as if we had paid the benefit in full.

Please refer to the Interplan Worldwide Policy Document for examples of how the excess works in practice.

Interplan Malta

If you choose a voluntary excess, this means that you will not be entitled to claim that excess value in eligible benefits per policy year.

This is in exchange for the discount on your premiums.

Excesses available:

  • 7.5% discount for €200 (Lm85.86) excess
  • 12.5% discount for €400 (Lm171.72) excess
  • 17.5% discount for €800 (Lm343.44) excess.

How it works:

Regardless of how many conditions you have or how many treatments you undergo, the excess is only deducted once per person covered by the policy, per policy year.

The excess starts again at your renewal date and so if you have any treatment which spans two years, the excess will be applied twice, once for each year.

Any benefit entitlement foregone because of the excess still counts towards your benefit limits as if we had paid the benefit in full.

Please refer to the Interplan Malta Policy Document for examples of how the excess works in practice.

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