By accepting cover you have agreed to pay the premium amount shown on your quotation, by
the payment method stated. You are required to pay the premium due to us in advance for
the duration of your membership. The initial/first premium instalment is payable immediately
after our acceptance of your application. Subsequent premiums are due on the first day of the
chosen payment period. You may choose between monthly, quarterly, half-yearly or annual
payments depending on the payment method you choose. Please note that if there is any
difference between the agreed quotation and your invoice, you should contact us
immediately. We are not responsible for payments made through third parties.
Your premium should be paid in the currency you selected when applying for cover. If you are
unable to pay your premium for any reason, please contact us on: +353 1 630 1301.
Changes in payment terms can be made at policy renewal, via written instructions, which
must be received by us a minimum of 30 days prior to the renewal date. Failure to pay an
initial premium or subsequent premium on time may result in loss of insurance cover.
If the initial premium is not paid in time, we are entitled to withdraw from the contract for as
long as the payment remains outstanding. The insurance contract is deemed to be null and
void unless we assert a claim to the premium in court within three months of the
commencement date, the policy start date or the conclusion of the insurance contract. If a
subsequent premium is not paid in time, we may, in writing and at the policyholder's expense,
set a time limit of not less than two weeks for the policyholder to pay the amount due.
Thereafter, we may terminate the contract in writing with immediate effect and shall thereby
be exempt to pay benefits.
The effects of termination shall cease if the policyholder makes a payment within one month
after the termination or, if the termination was combined with the setting of a time limit,
within one month after the expiration of the time for payment, provided that no claims have
been incurred in the intervening period.
Paying other charges
In addition to paying premiums, you also have to pay us the amount of any Insurance
Premium Tax (IPT), taxes, levies or charges relating to your membership (or new taxes, levies
or charges that may be imposed after you join) that we are required by law to pay or to collect
from you. The amount of any IPT or taxes, levies or charges that you have to pay us is shown
on your invoice.
Policy expiry
Please note that upon the expiry of your policy, your right to reimbursement ends. Any eligible
expenses incurred during the period of cover shall be reimbursed up to six months after the
expiry date of the policy. However, any on-going or further treatment that is required after the
expiry date of your policy will no longer be covered.
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