Shared Responsibility Explained
Shared Responsibility allows you to take greater control of your healthcare costs and make significant savings on your premiums. Unlike an excess, the cost of your medical treatment is shared between us, as a 25/75 split until your 25% contributions reach your chosen Shared Responsibility level (maximum annual limit). Thereafter, WPA will pay 100% of eligible treatment costs until your next renewal date. You can choose 1 of 4 different Shared Responsibility levels for each adult, per policy year - £500, £1,000, £3,000 or £5,000. Each adult can select a different level of Shared Responsibility. The higher the Shared Responsibility level the lower your premiums will be. Your 25% contribution to claims for all children under 18 years will be deducted from the oldest person´s maximum annual limit.
An example of how Shared Responsibility works:
| Order of treatment |
Claimed treatment |
Policyholder pays (with an annual limit of £1,000) |
WPA pay |
|---|---|---|---|
| Specialist | £100.00 | £25.00 | £75.00 |
| Tests | £200.00 | £50.00 | £150.00 |
| Hospital charges | £3,000.00 | £425.00 | £2,575.00 |
|
The policyholder has now reached their Shared
Responsibility limit of £500. WPA will pay 100% of eligible claims until the next policy year. |
|||
| Specialist | £100.00 | -- | £100.00 |
| Therapy | £200.00 | -- | £200.00 |
| Total | £3,600.00 | £500.00 | £3,100.00 |
Download the Shared Responsibility leaflet (pdf).
Please note that the example assumes that the Options chosen allow for the types of treatment illustrated.
Good news: all claims for children under 18 years are deducted from the eldest person´s Shared Responsibility limit.
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