Shared Responsibility ®

Shared Responsibility (co-payment) is pioneered by WPA and is available on many of our health insurance policies. You choose the level of Shared Responsibility you can afford - the higher the level, the lower your premium will be. The level you choose will be attached to your policy and will directly affect any claims that you make on your policy. We call it ´Shared Responsibility´ because you are in effect sharing the cost of your claims with WPA. Where the Shared Responsibility is on a 25/75 basis*, you pay 25% of eligible claims and WPA pays 75%. However, you only pay 25% up to the maximum Shared Responsibility limit you have chosen, until the next policy year (when your health insurance policy renews).

Example of treatment received within one policy year, based on a £1,000 Shared Responsibility limit.

Order of Treatment Claimed Amount You Pay WPA Pay
Specialist Consultation £100 £25 £75
Scans (MRI, CT or PET) £1,000 £250 £750
Hospital Charges £2,900 £725 £2,175
You have now reached your Shared Responsibility limit
Scans (MRI, CT or PET) £1,000 - £1,000
Hospital Charges £8,500 - £8,500
Total £13,500 £1,000 £12,500

Note: The example assumes that the options chosen allow for the types of treatment illustrated. Please also check ´A Guide to your Policy´ to see the choice of maximum annual Shared Responsibility available to you.

* Other forms of Shared Responsibility available on some policies include a 30/70 or 50/50 split.

Please check your policy documentation for details of which Shared Responsibility is applicable to your policy.

75 / 25
Share costs
WPA 75%
You 25%
Upper limit
Your choice