[ChrisRR]

Medically necessary is still a rule in the UK NHS. It doesn't cover cosmetic surgery unless there's a very good reason (like something affecting a person's quality of life)

I think excess is what you call a deductible, as in if I have an accident in my car, I pay for the first £250 and that's the excess.

The value of the coverage is the maximum amount they'll pay out. I don't know if I have that on my car, but my house contents insurance is insured up to a certain value

[gambiting]

I have insurance with Hastings Direct(because they were cheap) and their 3rd party liability maximum is 25 million pounds. When I was with Aviva last year theirs was 20 million.

I pay £300/year to insure my car.

And yeah, excess in US can be crazy I think. We have private health insurance from work and when I had to use it there was a £100 deductible for the year - I thought that was quite steep.

[martin_a]

> I don't know if I have that on my car

This should be fairly standard around the EU. In Germany this is capped at around 1 million, I think.

Which sounds a lot, but bigger accidents can ramp up a lot of costs...