Please note that we may change the amount you have to pay us in respect of Insurance
Premium Tax (IPT) or other taxes, levies or charges at any time, if there is a change in the rate
of IPT or any new tax, levy or charge is introduced or changed.
We will write to tell you about any changes. If you do not accept any of the changes we make,
you can end your membership and we will treat the changes as not having been made if you
end your membership within 30 days of the date on which the changes take effect, or within
30 days of us telling you about the changes, whichever is later.
If you want to change your level of cover, please contact us before your policy renewal date to
discuss your options, as changes to cover can only be made at policy renewal. If you want to
increase your level of cover, we may ask you to complete a medical history questionnaire
and/or to agree to certain exclusions or restrictions to any additional cover before we accept
your application. If an increase in cover is accepted, an additional premium amount will be
payable and waiting periods may apply.
Changing your address/email address
Any change in your home, business or email address should be communicated to us in writing
as soon as possible.
Claims
In relation to medical claims, please note that:
a) All claims should be submitted no later than six months after the end of the Insurance
Year. If cover is cancelled during the Insurance Year, claims should be submitted no later
than six months after the date that your cover ended. Beyond this time we are not obliged
to settle the claim.
b) A separate Claim Form is required for each person claiming and for each medical
condition being claimed for.
c) It is your responsibility to retain any original supporting documentation (e.g. medical
receipts) where copies are submitted to us, as we reserve the right to request original
supporting documentation/receipts up to 12 months after claims settlement, for fraud
detection purposes. In addition, we advise that you keep copies of all correspondence with
us as we cannot be held responsible for correspondence that does not reach us for any
reason that is outside of our reasonable control.
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