Some insurers offer zero-excess policies, meaning you don’t have to pay anything when making a claim.
1. Look for Insurers Offering No-Excess Plans
- Bupa & AXA provide plans with no excess.
- Some policies allow excess waivers in exchange for a higher premium.
2. Weigh the Costs
No-excess plans have higher premiums, so compare whether they’re cost-effective.
3. Consider Employer Insurance
Many workplace plans come with no excess fees.
Conclusion
Zero-excess private health insurance removes out-of-pocket costs when making a claim, but premiums may be higher. Compare plans to see if it’s worth it.