Deductibles are the contributions you make towards the cost of your treatment.

You can choose from a range of different deductibles, allowing you to manage the cost of your plan. If you choose to have a deductible on your Worldwide Medical Insurance cover, additional deductibles will also apply if you opt for Worldwide Medical Plus or Worldwide Medicines and Equipment (deductibles don’t apply to Worldwide Wellbeing or Worldwide Evacuation).

How do deductibles work?

A deductible is the amount you must pay towards covered expenses before we will start paying for your treatment.

Deductibles apply separately for treatment you have under each of the options. For example, if you chose Worldwide Medical Insurance with a £500 deductible and 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

(From Worldwide Medical Plus)

Amount paid by us - £200

For full details on deductibles, please see our Worldwide Health Options membership guide for full details.