Adding dependants
You may apply to include any of your family members on the policy by completing the
relevant application form.
Newborn infants (with the exception of multiple birth babies, adopted and fostered babies)
will be accepted for cover from birth without medical underwriting, provided that we are
notified within four weeks of the date of birth and the birth parent or intended parent (in the
case of surrogacy), has been insured with us for a minimum of six continuous months. To
notify us of your intention to have your newborn child included on your policy, please email
your request to our Underwriting Team at:
Notification of the birth after four weeks will result in newborn children being underwritten
and cover will only commence from the date of acceptance. Please note that all multiple birth
babies, adopted and fostered children will be subject to full medical underwriting and cover
will only commence from the date of acceptance.
Following acceptance by our Underwriting Team, we will issue a new Insurance Certificate to
reflect the addition of a dependant, and this certificate will replace any earlier version(s) you
may have from the start date shown on the new Insurance Certificate.
Changes to policyholder
If a request is made at renewal to change the policyholder, the proposed replacement
policyholder will be required to complete an application form and full medical underwriting
will apply. (Please refer to the section on “Death of the policyholder or a dependant” if this
requested change is due to the death of the policyholder).
Changes to premium, other charges or your cover
We may change the premium, benefits and rules of your membership on your renewal date,
including how we calculate/determine premiums and/or the method or frequency of
payment. These changes will only apply from your renewal date, regardless of when the
change is made and we will not add any restrictions or exclusions which are personal to a
member’s cover in relation to medical conditions that started after their policy's inception,
provided that they gave us the information we asked them for before incepting and they have
not applied for an increase in their level of cover.
General information
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