Outpatient excess is the amount per person that needs to be reached in benefits before a member can claim money back.
It is the benefit on your policy that contributes towards the outpatient excess and not the amount the member has paid for the treatment.
Example:
In the example below, assume that there is an outpatient excess of €200 and that the treatments are all claimable under the policy.
| Treatment | Amount Paid | The benefit on the policy |
|---|---|---|
| GP visit | 60 | 30 |
| Consultant | 150 | 70 |
| Blood test | 100 | 70 |
| X-Ray | 300 | 150 |
| Consultant | 150 | 70 |
| Consultant | 150 | 70 |
| GP | 60 | 30 |
| Total Spent | 970 | |
| Total Benefits | 490 | |
| Member Excess | 200 | |
| Total to be claimed (benefits - member excess) | 290 |