Excesses

• Exeter Care Preferred and Low Cost Plans
• Interplan Euro
• Interplan Worldwide
• Shared Care

Exeter Care Preferred and Low Cost Plans

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:

• 5% discount for £100 excess
• 10% discount for £250 excess
• 25% discount for £500 excess
• 30% discount for £750 excess
• 35% 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 Exeter Care Preferred/Low Cost 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.

Shared Care

If you choose the Shared Care plan, you will have chosen a co-payment level of 25% or 50%.

A co-payment works in a similar way to an excess as you will not be entitled to claim 100% of the cost of your treatment. You chose to pay either 25% of your claims (and the Society will pay 75%) or to share the costs on a 50/50 basis with us.

Co-payments available:

• 25% co-payment with your share capped at £5,000 per year
• 50% co-payment with your share capped at £10,000 per year.

How it works:

• Whether arranging a consultation or requiring a diagnostic test or an operation, you will be responsible for 25% or 50% (whichever co-payment you have chosen) of the cost of your treatment.
• This percentage or share of the costs of treatment is capped at £5,000 per person, per year on 25% co-payment and £10,000 per person, per year maximum on a 50% share, removing the worry about your share of the treatment costs escalating.
• Once you reach your capped share, the Society will cover the remaining costs of eligible treatment in full, up to the benefit limits of the plan, for example £100,000 per year on Core Level and £5,000 on Option A. Please note that the above limits are the benefits that are available before the deduction of your chosen co-payment percentage.
• Any benefit entitlement foregone because of the co-payment still counts towards your benefit limits as if we had paid the benefit in full.

(As with all policies, you will need to pay for the treatment costs which are not eligible for example because they are above the policy maximums or not covered by the policy).

Please refer to the Shared Care Policy Document for examples of how the co-payment works in practice.

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