Why do I need to pay an excess in contribution to my claim?

Why do I need to pay an excess?

As per the terms of your insurance policy with Vitality, you may be asked to pay in contribution to the cost of your claim. Although Vitality authorise up to 8 sessions in the first instance, if there is an excess to pay you will be liable for the charge. If you are unsure what excess you have and if you would need to pay towards the cost of your claim, you are best to discuss directly with Vitality before registering or making any further bookings. My Online Therapy does not have any information around client's policy cover or excess other than what is provided by Vitality to validate your policy upon registration. 

How do I pay an excess?

Invoices are submitted to Vitality once the session is complete. If you are liable to pay for the session in part or for the full amount, Vitality will send you an invoice directly detailing which session(s) you need to pay for and for how much. The invoice will advise you that My Online Therapy will contact you to arrange payment. You do not need to pay Vitality any excess owed, as all money owed is linked to your MOT sessions and payment will be processed using the credit/debit card you have added to your MOT account.

My Online Therapy will send you an email detailing which sessions you're liable to pay and confirmation that the payment will be processed automatically. A receipt will be sent to your registered email address for every transaction prcoessed.