Answereda year ago

What does 'Deduction (per disability)' mean in an Axa quote?

AXA insurance Deductible explanation Insurance terminology Disability insurance Excess payment Health insurance for expats

Adrian ******

asked Jul 21, 2025

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Good afternoon all, 

Quick question. Could anyone please explain what “Deduction (per disability) means on the below Axa quote 

Cheers All

Answer summary

The term 'Deduction (per disability)' on an AXA quote refers to the deductible amount you must pay for each claim before the insurance coverage starts. For instance, if you have a deductible of 300,000 and your medical bill is 500,000, you would pay the first 300,000, and the insurance would cover the remaining cost. Some users noted the confusion caused by the term 'disability,' thinking it might refer to specific conditions rather than the general deductible concept.

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Adrian ******

Thanks everyone. I thought it was excess, but it was the ”disability “ that threw me.

a year ago

Salter *****************

so you mean it's the excess payment like I pay The 1st £100 if it kicks in

a year ago

Peter *******

@Salter ****************

yes similar. The insurance company will deduct whatever the agreed amount is from the hospital bill and pay the balance. The amount the insurance don't pay you have to pay yourself.

a year ago

John **********

@Salter ****************

yes although 100,000 baht is closer to £2500

a year ago

Peter *******

The deductable is what you pay before Insurance coverage kicks in. eg, if the bill is 500,000 you pay 300,000 and insurance pays 200,000 (in the case of a 300,000 deductable).

Is done to make the policy premiums more affordable.

a year ago

Lynnette *******

A deductable is usually how much they take before settling the bill. Not sure if that's what they mean by 300,000 deductable.seems a lot and needs explanation.

a year ago