I had to get the old botty patched up recently. Cost me 36000bt as an in patient. Policy deductible is 20k, so I reckoned I was on for 16k.

Actually got 36k ?? Off to bank sharpish.

Is my understanding of deductible wrong? What does it mean?

Bit of a result- better than a load of axxe !!!

Sorry, I am unclear as to the question. Are you saying you had to pay the full amount at the hospital and not just the deductible? If this is the case, perhaps the hospital does not bill your insurance directly and you are required to do so yourself?

It sounds like you got lucky Moldy

Perhaps there are some exceptions to the deductible?

Either way, a result as you say. I hope the botty is better

Check your policy, the deductible may only apply to outpatient claims.

It sounds like you got lucky Moldy

Perhaps there are some exceptions to the deductible?

Either way, a result as you say. I hope the botty is better

A- hole secure again as it should be - a chastising experience that I hope not to have to repeat.

Bank account secure again - a chastising experience that I hope not to have to repeat.

Sorry, I am unclear as to the question. Are you saying you had to pay the full amount at the hospital and not just the deductible? If this is the case, perhaps the hospital does not bill your insurance directly and you are required to do so yourself?

Yes I had to pay the hospital as the insurance company was closed. The total bill was 36,000. I then filed a claim.

The policy was in patients only. I stayed in 1 night.

Yes I had to pay the hospital as the insurance company was closed. The total bill was 36,000. I then filed a claim.

The policy was in patients only. I stayed in 1 night.

1 night? Do as mother told you, dont sit on cold steps. It will come back to bite you in the most unfortunate places

Yes I had to pay the hospital as the insurance company was closed. The total bill was 36,000. I then filed a claim.

The policy was in patients only. I stayed in 1 night.

1 night? Do as mother told you, dont sit on cold steps. It will come back to bite you in the most unfortunate places

dam_n painful at the time, just like being kicked with a size 12 hobnail (I imagine). Not unusual for people to end up in A+E.

Turns out my ins. broker says the deductible is not quite what it sounds. I think it is there just to cover excessive claims and is generally not invoked.