Page 52 - European Health Cover

Please see page 56 for an explanation of words that appear in bold 49
14 Additional information
When can I add other members or change my cover?
You can apply to add a family member to your policy at any time. Also, you may be able to
change your cover at your renewal. Call us so we can discuss the options open to you and send
you any relevant forms to complete. You must keep us fully informed of any changes which take
place between sending us any form and receiving our written confirmation that we have made the
change.
Can I add my new baby to my policy?
You can apply to add newborn babies (who are born to the policyholder or the policyholder’s
partner) to the policy from their date of birth. This can normally be done without filling out details
of their medical history, provided you add them within three months of their date of birth.
However, we will require details of the baby’s medical history if the baby has been adopted, or
was born as the result of any method of assisted conception. In such circumstances we reserve
the right to apply particular restrictions to the cover we will offer and we will notify you of those
terms as soon as reasonably possible. This may limit your baby’s cover for existing medical
conditions. This would mean that your baby will not be covered for treatment carried out for
medical conditions which existed prior to joining, such as treatment in a Special Care Baby Unit
and you will be liable for these costs.
Can I cancel my policy?
You have a 14 day cooling off period when you join and at each renewal. Please see section
15.1(g)‘Your rights and responsibilities’.
How can I pay my premium?
At the start of each policy year we will calculate your new premium and let you know how much it
is. We offer a choice of monthly, quarterly or annual premiums which can be paid by credit card
or, most conveniently, by Direct Debit for UK bank account holders, however, if you choose this
payment method you must pay your premium in Sterling. Alternatively you may pay quarterly or
annually by cheque. Premiums are payable for each person covered and any increase will
normally take effect from the annual renewal date of your membership.
If you pay by credit card or Direct Debit we will collect the first premium when your policy starts
and subsequent premiums when they fall due.
However you pay your premium at the moment bear in mind that you can change to another
method simply by contacting our team of Personal Advisers.