Mountain biking

If reducing your Sports Health Insurance premiums would help you to meet your budget, you can of course, choose a lower level of cover, for example by choosing Sports instead of Sports Plus or by restricting your hospital choice to First Choice only. You can also significantly reduce your premiums by adding an excess to your Sports Health Insurance policy.

Sports Health Insurance Policy Excess

An excess is an amount agreed in advance that you or each person on your policy pays towards the cost of a claim. For example, if you choose a £250 excess per claim and your treatment for one eligible claim costs £5,000, you would pay the first £250 and we would pay the rest.

You can add an excess of £75, £100, £150, £200, £250, £500, £1000, £2000 or £3000 to your Sports Health Insurance policy. At the start of the policy, you choose whether the excess applies once per policy year or to each claim. If you choose an excess per policy year and your treatment for an eligible claim carries on into the next policy year, another excess will apply.

Remember - the higher the excess, the lower your monthly premium. For example, even an excess of £250 per claim could reduce your monthly premium by over 20%!

The important thing is to choose an affordable level of excess that helps you meet your budget