Plan guide
7
who are governed by exchange controls or local licensing regulations.
Plans
may not meet specific visa requirements. Cover may also be illegal under
local laws. It is the
planholder’s
responsibility to ensure that any
plans
chosen
meet
your
needs.
All
dependant
children on a
plan
must be unmarried.
Dependant
children aged
18 to 24 must be in continuous full-time education at their
start date
.
You
cannot be older than 74 at
your start date
.
Main members
and their
dependants
must have the same
area of cover
.
Add-on
plans
are only valid when the
UltraCare plan
is in force.
The minimum age at entry for the Personal accident add-on
plan
is 18. The
maximum age at entry is 74. This
plan
can cover:
•
the
main member
only; or
•
the
main member
and all of their
dependants
, aged 18 and over, who are
included on the
UltraCare plan.
All
dependants
must have the same level
of cover as the
main member
.
The Personal accident add-on
plan
provides cover for managerial, clerical
and administrative occupations only. See
benefit
condition BCPA1 for more
information.
The Travel add-on
plan
can cover:
•
the
main member
only; or
•
the
main member
and all of their
dependants
who are
included on the
UltraCare plan
.
Additional eligibility criteria apply to some
plan
types. These are shown in the
Group
member
application and Table of
benefits
where applicable.
We
can refuse cover on any of our
plans
for any reason.
We
may provide cover
under our
plans
with any special terms that
we
may set. Any special terms will be
shown on the Certificate of insurance.
Group plan start date
With
our
agreement cover under the
UltraCare plan
will begin immediately or on
a future date the
planholder
has given and
we
have agreed, as long as
we
accept
the application, and as soon as
we
have received the:
•
Group application;
•
Group
member
applications if the underwriting terms are
moratorium
or
CPME
;
•
Group
member
applications including the medical questionnaires if the
underwriting terms are
FMU
;
•
previous certificates of insurance if the underwriting terms are
CPME
;
•
acceptance of all special terms offered in the quotation if the underwriting
terms are
CPME
or
FMU
;
•
Group declaration of health if this applies; and
•
Group membership census.
We
will tell the
planholder
the
start date
in writing.
Cover under any add-on
plans
will begin on the same day as the
UltraCare plan
or any future
UltraCare plan renewal date
.
We
cannot backdate cover under any circumstances. All
plans
will continue for 12
months until the next
renewal date
or until they are cancelled or extended for any
reason.
Group premiums
Each
plan
is a yearly contract.
The premiums in the quotation accepted by the
planholder
will apply for the
plan
year
.
The
planholder
must choose how often the
UltraCare plan
premiums are paid
from the payment options available for that
plan
type. They must choose this at
application or renewal and it will apply throughout the entire
plan
year
. 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 the
plans
. The premium will be returned if payment is
received in a different currency to the
currency of the
plans
. The
planholder
will
be responsible for:
•
any shortfall as a result of exchange rate differences; and
•
any associated bank charges.
We
must receive all premiums, including any taxes that apply, on or before the
premium due dates.
Premiums may change as a result of adding or removing
members
. The
planholder
must pay any extra premiums when the next reconciliation statement
is sent, in accordance with the credit terms. Any refund due to the
planholder
will
be carried forward to the next reconciliation statement.
Ways to pay group premiums
Premiums must be paid in the same currency as the
plans
.
Premiums can be paid by:
•
bank transfer;
•
cheque or banker’s draft;
•
card
; or
•
direct debit.
Bank transfers, cheques and banker’s drafts
See the Group application or invoice for payment details.When making a
payment, the
planholder
must give the group name and the quotation number or
UltraCare plan
number as the reference.
Card
There are three ways to pay by
card
:
•
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 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 group premium
payments’ 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 group premium
payments’ 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.
Unpaid or late group premium payments
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
.
The premiums may change and the cover may have new terms.
We
reserve the right to charge commercial interest on any overdue premium at
the Bank of England base rate, plus 5%. Interest will accrue on a daily basis from
the premium due date until full payment is made for the overdue premium.
