by The following payments may also apply for hospital admissions. Excess: You will have to pay an excess of $750 per admission. This is limited to a maximum of $750 per person and $1500 per policy per year. Excess payments do not apply to hospital admissions for dependants. Co-payments: No co-payments.. Hospital Excess. An excess is an upfront lump sum payment that you agree to pay towards the cost of your hospital stay or day surgery. You can reduce your health insurance premium by opting for a $750 hospital excess per person (up to a maximum of $1500 per couple/family per membership year). $0 $500 $750.
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