Annual deductibles

7.01 What is an annual deductible?

The annual deductible is the total value that your eligible claims must reach each membership year before we will start to pay any benefit.

Example: If you have an annual deductible of € 120, the total value of your eligible claims must reach € 120 before we will pay any benefit.

The annual deductible applies separately to each person on you, the principal member’s membership.

The amount of the annual deductible will be shown on your Membership Certificate. If you are unsure whether your cover includes an annual deductible please contact our Call Centre.

At any point you can check the amount of your remaining annual deductible, by contacting our Call Centre.

Important — please remember that:

  • the annual deductible applies separately to each person included on your membership
  • even if the amount you are claiming is less than the amount of the annual deductible, you should still submit a claim to us
  • this is an annual deductible. Therefore, if your first claim is towards the end of your membership year, and treatment continues over your renewal date, the annual deductible is payable separately for treatment received in each membership year.

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GlobalCapital Health Insurance Agency Limited acts as an insurance agent and is regulated by the Malta Financial Services Authority (MFSA). Registered address: GlobalCapital Health Insurance Agency Limited, Testaferrata Street, Ta’ Xbiex XBX 1403, Malta.

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