UltraCare
4
application or renewal and it will apply throughout the entire
plan
year
. Maternity
add-on
plan
premiums can be paid every year or as often as the
UltraCare plan
premium is paid. Personal accident and Travel add-on
plan
premiums can only be
paid yearly.
The
planholder
is responsible for paying all premiums. Premiums must be paid
in the same currency as
your plans
. The premium will be returned if payment is
received in a different currency to the
currency of
your plans
. The
planholder
will
be responsible for:
•
any shortfall as a result of exchange rate differences; and
•
any associated bank charges.
UltraCare plan
premiums are based on the age of the
planholder
and each
dependant
at the
plan start date
. Add-on
plan
premiums are based on:
•
the age of any female
members
included on the Maternity
plan
;
•
the number of units chosen for each
member
on the Personal accident
plan
;
•
the
planholder
and any
dependants
included on the Travel
plan
.
All cover is subject to
our
eligibility criteria.
We
must receive all premiums, including any taxes that apply, on or before the
premium due dates.
Ways to pay
Premiums must be paid in the same currency as
your plans
.
For yearly payments, premiums can be paid by:
•
card
;
•
direct debit;
•
bank transfer; or
•
cheque or banker’s draft.
For payments made every month or every three months, premiums can be paid by:
•
card
; or
•
direct debit.
Card
There are four ways to pay by
card
:
•
log on to
to use the secure payment
system;
•
complete and fax the Credit
card
authority form;
•
complete and post the Credit
card
authority form; or
•
call to make a payment by telephone.
Please do not send
card
details by email. Email and internet messages cannot be
guaranteed to be completely secure, as personal information can be intercepted,
lost or stolen.
Card
details sent by email will not be processed.
Completing the Credit
card
authority form or submitting
card
details online gives
authorisation for the relevant amount to be collected from the named account on
or around a premium due date. This also gives authorisation to collect renewal
premiums until written instructions are received from the
planholder
to change
the method of payment.
The
planholder
will be told
in writing if, for any reason, premiums cannot be
collected. Attempts to collect the premium will continue unless the
planholder
gives alternative instructions. This may mean that more than one premium needs
to be collected on the next collection date. See the ‘Unpaid or late premiums’
section for more information.
The
planholder
is responsible for providing up to date
card
details. The
planholder
must advise any changes to the
card
details to make sure that any
premiums can be collected.
Direct debit
Direct debits can only be accepted from UK bank accounts for
plans
in GB pounds
(£). Completing the Direct debit form gives authorisation for the relevant amount
to be collected from the named account on or around a premium due date. This
also gives authorisation to collect renewal premiums until written instructions are
received from the
planholder
to change the method of payment.
The
planholder
will be told
in writing if, for any reason, premiums cannot be
collected. Attempts to collect the premium will continue unless the
planholder
gives alternative instructions. This may mean that more than one premium needs
to be collected on the next collection date. See the ‘Unpaid or late premiums’
section for more information.
The
planholder
is responsible for providing up to date account details. The
planholder
must advise any changes to the details to make sure that any
premiums can be collected.
Bank transfers, cheques and banker’s drafts
See the Individual application or renewal quotation for payment details.When
making a payment, the
planholder
must give their full name and the quotation
number or
UltraCare plan
number as the reference.
Unpaid or late premiums
The
planholder
must make sure premiums are paid on or before the due date.
We
will tell the
planholder
, in writing, if payments are not made on time.
We
will not approve or pay any
claims
until the payments are up to date.
We
will cancel a
plan
if payment is not received within 30 days of the premium
due date. If
we
cancel a
plan
, the
planholder
will have to apply for a new
plan
.
We
will charge the premiums in force at that time and the cover may have new
terms. Any existing no-
claims
discount will be lost.
Adding dependants
With
our
agreement the
planholder
may add
dependants
to the
UltraCare
plan
after the
plan start date
. The
planholder
must make the request in writing
by letter, fax or email, unless the underwriting terms are
CPME
or
FMU
. If the
underwriting terms are
CPME
, see the ‘Transfers’ section for information about
how to apply. If the underwriting terms are
FMU
the
planholder
must send an
Individual application, including the medical questionnaire.
With
our
agreement the
planholder
may also add
dependants
to any add-on
plans
at the same time they are added to the
UltraCare plan
. The
planholder
must request this in writing by letter, fax or email.
When making a request to add
dependants
, the
planholder
must also tell
us
all
material facts
. If there is any doubt about whether a fact is material, the
planholder
should tell
us
. See general condition GC2 for more information.
With
our
agreement cover will begin:
•
as soon as
we
receive the request; or
•
on a future date given to
us
by the
planholder
;
unless the
dependant’s
underwriting terms on the
UltraCare plan
are
CPME
or
FMU
.
If the
dependant’s
underwriting terms are
CPME
on the
UltraCare plan
, cover
will begin as soon as
we
receive the
planholder’s
acceptance of the special terms
offered in the quotation or on a future date the
planholder
has given and
we
have agreed, as long as there is no break in cover.
If the
dependant’s
underwriting terms are
FMU
on the
UltraCare plan
, cover will
begin as soon as
we
receive the
planholder’s
acceptance of the special terms
offered in the quotation.
Cover under any add-on
plans
will begin on the same day as the
UltraCare plan
.
We
will not backdate cover under any circumstances.
With
our
agreement the
planholder
may add newborn children as
dependants
during the
plan year
.When making a request the
planholder
must tell
us
all
material facts
.
If the
planholder
applies in writing before the newborn child is 30 days old
we
will not apply any underwriting terms
to the newborn child’s cover on the
UltraCare plan
and their
date of joining
will be their date of birth.
Benefit
condition BC5 and
benefit
exclusions BE1 and BE2 will not apply.
If the
planholder
applies in writing after the newborn child is 30 days old,
underwriting terms will apply. If the underwriting terms on the
UltraCare plan
are:
•
moratorium
, cover will begin as soon as
we
receive the request or on a
future date given to
us
by the
planholder
.
•
FMU
, the
planholder
must send an Individual application, including
the medical questionnaire. Cover will begin as soon as
we
receive the
planholder’s
acceptance of the special terms offered in the quotation.
We
will not backdate cover for any requests received by
us
after the newborn
child is 30 days old.
Premiums may change in line with any agreed requests.
When adding any
dependants
,
we
will send the
planholder
a revised Certificate
of insurance and a new membership card, if this applies, showing the changes and
any special terms that may apply.
