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Deductibles
Deductibles are the contributions you make towards the cost of your treatment.
If you chose to have a deductible on your Worldwide Medical Insurance cover, additional deductibles will also apply if you opted for Worldwide Medical Plus or Worldwide medicines and equipment ( deductibles do not apply to Worldwide Wellbeing or Worldwide evacuation).
The table below explains the value of the deductible which applies to each option. You'll find details of your deductibles on your membership certificate.
| Worldwide Medical Insurance | ||
| £ Sterling | € Euros | $US |
| 250 | 300 | 425 |
| 500 | 625 | 850 |
| 1,000 | 1,250 | 1,700 |
| 2,000 | 2,500 | 3,400 |
| 5,000 | 6,250 | 8,500 |
| Worldwide Medical Plus | ||
| £ Sterling | € Euros | $US |
| 100 | 125 | 170 |
| Worldwide medicines and equipment | ||
| £ Sterling | € Euros | $US |
| 50 | 60 | 80 |
How do deductibles work?
A deductible is the amount you must pay towards covered expenses before we will start paying for your treatment.
It's important that you send all your claims to us , even if the value of your claim is less than the deductible. We won't make any payment, but the claim will count towards your deducible.
Deductibles apply separately for treatment you have under each of the options. For example, if you have Worldwide Medical Insurance with a £500 deductible and have chosen Worldwide Medical Plus, the deductible for each would be applied as follows:
You have treatment in hospital for a broken leg,
cost..................................................................... £1,000
Deductible applied.............................................. £500
from Worldwide Medical Insurance (as this covers hospital treatments)
Amount paid by us .............................................. £500
You have physiotherapy for your broken leg (usually paid from your Worldwide Medical Plus option)
cost...................................................................... £300
Deductible applied ............................................... £100
Amount paid by us ............................................... £200
If your claim is for an amount higher than the value of your deductible or remaining deductible, we will pay for covered expenses after the deductible has been met in full.
Once your deductible has been reached, all covered expenses will be paid in line with your benefit limits.
Please remember:
· the deductibles apply separately for each person included on your membership
· the deductibles apply each membership year
If you have treatment which continues over your anniversary, the deductible will be payable separately for treatment received both before and after your anniversary
· the deductible for Worldwide Medical Insurance and each option is counted separately
· you must have a valid direct debit agreement or credit card authority with us, so we can collect your deductible
· you are responsible for paying the deductible in all circumstances.