Do I Pay My Excess To The Hospital Or To 1Cover If I'm Hospitalised?

Your excess is likely to be payable to 1Cover, but you may also need to pay your excess to the hospital. If that’s the case, then we’d need to see a receipt as proof of this.  

If you have any questions, our claims department will let you know how to proceed regarding your excess.

In general, if you paid for your expenses up front and have submitted a claim for reimbursement we will deduct the excess from the claimable amount we pay you.


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All FAQ answers are based on the current effective PDS. If your policy is older than the current PDS, please contact us or refer to your particular policy.

Any information contained on this website is general advice only and has been prepared without taking into account your objectives, financial situation or needs. You should consider these having regard to the PDS.