XS health - Excess

Excess Levels

  • If you are aged between 0-29 you can only choose a £1500 excess.
  • Between the ages of 30-59 you can choose from the 3 excess options available, £1500, £3000 or £5000.
  • If you are between the ages of 60-74 you can choose between an excess of £3000 or £5000.

Age £1,500 excess £3,000 excess £5,000 excess
0-29 Excess available Excess not available Excess not available
30-59 Excess available Excess available Excess available
60-74 Excess not available Excess available Excess available

Rolling Excess

This is best illustrated by an example:

A policyholder takes out an XS health policy in January with a £1,500 excess. They are injured in June and medical treatment costs exceed £1,500 in July. All eligible treatment costs are now covered in full until the following July (providing the policy is renewed in January).

Excess availableOnce you reach your excess limit within a plan year, you will benefit from an excess free period for a whole year thereafter.