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Deductible means the amount you agree to pay for covered healthcare costs before your policy starts paying. It applies each policy year and separately for each person covered. For example, if your deductible is £5,000 and you have treatment in hospital for a broken leg which costs £3,000, you would pay £3,000 and your policy wouldn't pay anything. Your remaining deductible for the policy year would be £2,000. Later in the year you stay in hospital for 9 days which costs £25,000. You would pay £2,000 and your policy would cover the remaining £23,000. Your deductible for the rest of the year would be £0.