Shared Responsibility is an innovative method of co-payment allowing you to take control of the cost of your premium. Unlike a traditional excess, 75% of each claim for eligible treatment is paid no matter how small. You share the cost of your treatment by contributing 25% towards every claim for eligible treatment. Your contribution is also ‘capped’ at an agreed level for your policy year. This means your contribution towards your medical treatment will not cost more than you can afford.
Shared Responsibility is better than an excess as WPA always pay at least 75% of each and every claim for eligible treatment and, if you only need one consultation, you are not left paying a full excess to cover it.
Other Shared Responsibility levels and percentage splits may be available. For full details please refer to the 'Policy Summary', 'A Guide to Your Policy' and your 'Benefit Schedule'.
Once you reach your chosen level of Shared Responsibility there is nothing more to pay for that policy year, because WPA will pay 100% of any eligible claims, subject to your benefit limits. When you renew your policy, your level of Shared Responsibility starts again with the new policy year even if the course of treatment started beforehand.
| Order of treatment | Claimed amount | You pay | WPA pay |
|---|---|---|---|
| Specialist | £100 | £25 | £75 |
| Scans (MRI, CT or PET) | £1,000 | £250 | £750 |
| Hospital charges | £900 | £225 | £675 |
| You have now reached your Shared Responsibility limit | |||
| Scans (MRI, CT or PET) | £1,000 | £0 | £1,000 |
| Hospital charges | £8,500 | £0 | £8,500 |
| TOTAL | £11,500 | £500 | £11,000 |
Please note that this example is for indicative purposes only. It is based upon the assumption that the options or level of cover chosen provides benefit for the types of treatment illustrated. Other Shared Responsibility levels and percentage splits may be available. For full details please refer to the 'Policy Summary', 'A Guide to Your Policy' and your 'Benefit Schedule'.