Page 53 - European Health Cover

50 Our team of Personal Advisers is available on +44 (0) 1892 556 274
Be aware:
Important – you must pay your premium when it is due. If you do not we will cancel your policy
and will not pay for any treatment or benefit entitlement arising after the date that the premium
became due.
Why do you make changes to my premiums?
We make every effort to maintain premiums at as low a level as possible, without compromising
the range and quality of the cover provided. We review premiums each year to take account of a
range of statistical factors. Typically the cost of premiums has increased at a level higher than
the Retail Price Index (RPI). You will receive reasonable notice of any changes in premium. Your
premium will also include the amount of any insurance premium tax or other taxes or levies
which are payable by law in respect of your policy.
How can an excess help to reduce my premium?
Choosing an excess on your policy may help to reduce your premiums. If you would like to find
out how to add an excess or change your existing excess level please call us.
I have an excess on my policy – how does this work?
If you have an excess on your policy, this is what it means and how it is applied:
• An excess is the amount of money you must contribute towards the cost of any eligible
treatment each policy year.
• The excess applies to each person covered by the policy in each policy year.
• The excess is deducted from any eligible treatment costs you incur.
• When a claim is made that involves an excess, we will pay the claim after we have
deducted the excess amount.
• The excess is a single deduction that is made regardless of the number of individual
medical conditions claimed for in that policy year.
• Should treatment continue beyond your policy’s renewal date then we will apply the
excess:
• Once against the costs incurred before this date, and;
• Again against the costs incurred on or after the renewal date.
• We will do this irrespective of whether the costs relate to treatment for the same
medical condition.
• We will not apply the excess against medical costs for treatment that your policy does
not cover.