Technically, the list would represent "Contributory Negligence" rather than an Excess.
But I'm being pedantic. Following the insurance model there are 3 things you could do...
Contributory Negligence
You put yourself in this position because you didn't take reasonable precaution to avoid...
Its an opportunity cost... the doc/nurse could be doing something else...seeing someone else...etc. If all the lost appointment time could be used to its maximum benefit then, in simplistic terms, that means one less doctor/nurse required (or however many it equates to) and so there is a real...
No... I probably wouldn't miss/begrudge another £10 coming out of my salary every month.... However, as a separate taxation, there would need to be an army of extra people dealing with it. Why the f*ck would anyone with a brain suggest raising money through anything other than income tax? Oh...