How can I control the cost of my plan?

Here are some of the ways our members manage the cost of their plans; If you would like to discuss this further, please get in touch and one of our team will talk you through the options, so you can make a decision that is right for you.​

Choose your excess. A higher excess will reduce your premium.​

Pay for your plan yearly. We will give you a 5% discount.​

Review your no claims discount. If you have a no claims discount (NCD) on your plan and you’ve claimed in the last year, you can ‘buy back’ the cost of your claim to keep your no claims discount at a higher level.  If you have reached the maximum discount already, you can purchase NCD protection when you renew.  This means that when you renew the following year your NCD will stay at the maximum NCD even if you have claimed.​ Not available for members that have their plan paid for by a small business. (Less than 250 employees)

Consider the extra options you have selected. Removing some of your extra options if you no longer need them will reduce your plan costs.

Review your choice of hospitals and specialists. On some plans, you can save money if you’re happy to choose a specialist from a list we provide you. You may also be able to review the number of hospitals you have access to. (Individual only)

If you’d like to talk to us about your plan or are experiencing financial difficulty and would like help controlling your cost, we will do what we can to support you and your situation.