The Ultimate No Claims Discount

Cutting your private medical insurance premiums

Include Excess Bonus Option 1 on your policy and you receive a 12% discount on your premiums.

Include Excess Bonus Option 2 and you receive a 22% discount.

By utilising Alchemy’s innovative Excess Bonus scheme, you can receive a generous discount on your excess. For every claim free year you will be rewarded by a reduction in your excess.

Simply choose either of the Excess Bonus options. There is no penalty in subsequent years if a claim is made. Instead, you will remain at the same excess level until the next claim free year when you will be rewarded by a further reduction in your excess.

The excess is payable per person per policy year. No-one pays more than a single excess amount in any one policy year regardless of the number of claims.

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