Astute Simplicity Health will be closed on Thursday, April 25 for the ANZAC Day public holiday and will re-open on Friday, April 26.

An Excess

An Excess

You can lower your premium by choosing an excess on your Hospital cover.

An excess is the amount you agree to pay in each calendar year towards your hospital treatment. A calendar year runs from January 1 to December 31.

Once you have paid your excess for Hospital treatment you will not have to pay another excess for the rest of that calendar year, no matter how many times you are admitted to hospital for treatment.

For families, there is a safety net. The excess on a family policy only applies to the adults who are admitted to hospital in the same calendar year. The excess does not apply to child dependants covered on the policy.

For a single-parent policy, the excess only applies to the adult covered on the policy. It does not apply to the child dependants covered on the policy.

The excess on our Gold hospital products applies to overnight hospital treatment. The excess does not apply to same-day hospital treatment or to child dependants covered on the policy. 

On our Silver Plus and Bronze Plus Hospital products, the excess applies to both overnight and same-day hospital treatment for adults. The same-day excess will be half the chosen excess up to the maximum product excess. The excess does not apply to child dependants covered on the policy.