Dumb health insurance question!

donfers

OK looking through a policy there

it has an annual out-patient excess of €50 which I assume means that after all your annual out patient fees like GP visits and visits to a consultant that the person who takes the insurance will be liable for the first €50 then will be covered after that

then the same policy says that for consultant visits that the cover will be up to €40 per visit

so let's say the cost of seeing the consultant is €150

then I pay the first €50 which takes me to my point of excess then what about the remaining €100?

Is it to be paid €40 by the insurance company and €60 by me?

Basically I was confused by the annual out-patient excess figure of €50, once I get beyond this point it doesn't mean I am automatically 100% covered for everything, it just means I can claim moderate refunds on some of my expenses, is that correct?

LostArt

unfortunately it doesn't work like that.

If you have €40 per visit with a consultant cost of €150 and an excess of €50 you get nothing for the first visit (you only get €40 per visit, excess €50)