General Information
Treatment needed as a result of somebody else’s fault
If you are claiming for treatment that is needed when somebody else is at fault, you must
write and tell us as soon as possible e.g. if you need treatment for an injury suffered in a road
accident in which you are a victim. Please take any reasonable steps we ask of you to obtain
the insurance details of the person at fault so that we can recover, from the other insurer, the
cost of the treatment paid for by us. If you are able to recover the cost of any treatment for
which we have paid, you must repay that amount (and any interest) to us.
When cover starts for you and your dependants
Our acceptance of your application for cover is confirmed when we issue your Insurance
Certificate and your cover is valid from the start date shown on the certificate. Please note that
no benefit will be payable under your policy until the initial premium has been paid, with
subsequent premiums being paid when due.
If any other person is included as a dependant under your membership, their membership will
start on the effective date as shown on your most recent Insurance Certificate which lists
them as a dependant. Their membership may continue for as long as you remain the
policyholder and as long as any child dependants remain under the defined age limit.
Child dependants can be covered under your policy up until the day before their 18
th
birthday;
or up until the day before their 24
th
birthday if they are in full time education. At that time, they
may apply for cover in their own right, should they wish to do so.
Your right to cancel
You can cancel the contract in relation to all insured members, or only in relation to one or
more dependants, within 30 days of receiving the full terms and conditions of your policy or
from the start/renewal date of your policy, whichever is later. Please note that you cannot
backdate the cancellation of your membership.
Should you wish to cancel, please complete the “Right to change your mind” formwhich was
included in your welcome/renewal pack. This form can be sent to us via email to:
. Alternatively, you can post this form to the Client
Services Team, using the address provided on the back cover of this guide.
If you cancel your contract within this 30 day period, you will be entitled to a full refund of the
cancelled member(s) premiums paid for the new Insurance Year, provided that no claims
have been made. If you choose not to cancel (or amend) your policy within this 30 day period,
the insurance contract will be binding on both parties and the full premium owing for the
selected Insurance Year will be due for payment, according to the payment frequency
selected by you.
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Allianz Worldwide Care
