To whom would a customer typically pay their excess for hospital and specialist treatment?

In the context of healthcare insurance, a customer typically pays their excess directly to the hospital for hospital and specialist treatment. The excess is the amount that the insured individual must pay out of pocket before the insurance benefits kick in. This payment may occur at the time of receiving treatment or as a billed amount after the services have been provided.

This interaction emphasizes the direct financial relationship between the patient and the healthcare provider for any costs that exceed the coverage limits stipulated in their insurance policy. Understanding this process is crucial as it helps policyholders manage their healthcare costs effectively and navigate the financial responsibilities associated with their insurance plans.