The exemption is the amount of the covered costs that you have to pay yourself. In the case of a hospitalisation insurance, this exemption applies to each insured person. Do you have an ambulatory insurance? In that case, the exemption can apply both per insured person and per family.
Depending on your insurance policy, this exemption will be deducted per insurance year or per claim year (from the date of the first expenses).
A hospitalisation plan has several possibilities:
You will find a detailed overview of the exemptions in your policy conditions.