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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.

Talk to us about your options


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Contact our client assistance team with your query or request a callback from one of our health insurance specialists.

LifeStar Health Limited acts as an insurance agent for Bupa Global Designated Activity Company (Bupa Global DAC), which has passported its services through the European Passport Rights for Insurance and Reinsurance Undertakings. LifeStar Health Limited is enrolledid as an insurance agent under the Insurance Distribution Act, Cap 487 of the Laws of Malta and is regulated by the Malta Financial Services Authority of Notabile Road, Attard BKR 3000, Malta and subject to limited regulation by the Central Bank of Ireland.


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