The bronchitis/rhinitis claims for Ari from 7th April to 16th April 2011 have the $250 excess. Then we enter a new insurance year so the claims for Ari from 17th July to 31st May 2012 have another $250 excess. The claim for the fever for Ari is then a second claim in the 2011/2012 insurance year so the deductible of $250 is correct.