Page 57 - European Health Cover

54 Our team of Personal Advisers is available on +44 (0) 1892 556 274
presentation of the risk we are taking on. If we discover later it is not, then we can
cancel the policy or apply different terms of cover in line with the terms we would have
applied had the information been presented to us fairly in the first place.
(c) You must write and tell us if you change your address.
(d) This policy is available only to people living outside the UK so you must tell us
immediately if you or any family member has gone to live in the UK – which means they
will be in the UK for more than six months in the year. You must tell us if you change
your principal country of residence even if you are staying in the same area. If you don't
tell us we can refuse to pay benefits.
(e) Only the policyholder and we have legal rights under this policy and it is not intended
that any clause or term of this policy should be enforceable, by virtue of the Contract
(Rights of Third Parties) Act 1999, by any other person including any family member.
(f) You must pay your premium when it is due. We will decide the amount at the start of
each year and tell you how much it is. You can pay it in the way you have agreed with us.
We can change the amount of your premium during a year to reflect any change in
insurance premium tax or other taxes but we will tell you of the change. If your premium
payments are not up to date your policy will end.
(g) The policyholder may cancel this policy by contacting us during the 14 day cooling off
period. The 14 day cooling off period commences on the day that the contract is
concluded or the day that full policy terms and conditions are received, whichever is the
later. The 14 day cooling off period also applies from each renewal date. If the policy is
cancelled during the 14 day cooling off period we will return any premium paid for the
policy providing no claims have been made on the policy in relation to the period of cover
before cancellation (being no more than 14 days’ cover). If you incur eligible claims
costs within that period of cover we reserve the right to require the policyholder to pay
for the services we have actually provided in connection with the policy to the extent
permitted by law and any return of premium is subject to this. If the policyholder does
not cancel the policy during the cancellation period the policy will continue on the terms
described in this handbook for the remainder of the policy year.
(h) You and we are free to choose the law that applies to this policy. In the absence of an
agreement to the contrary, the law of England and Wales will apply.
(i) If you are domiciled outside of the European Economic Area, then you and we irrevocably
agree and submit to the exclusive jurisdiction of the courts of England and Wales.