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International Health and Hospital Plan(Español)

 

Policy Conditions ( including glossary )

 

Art 15. Payment of premium

 

15.1 Premiums are determined by the Company and shall be payable in advance. The Company  adjusts the premiums once a year as from the anniversary date on the basis of changes in the cover and / or the loss experience in the insurance class during the previous calendar year.

 

15.2 The premium is age-related and will therefore also be adjusted on the first due date after the insured's birthday. In the case of a child turning 10 (ten), a pro rata premium will be charged on the due date prior to the child's 10th birthday.

 

15.3 The initial premium shall fall due on the commencement date. The policyholder may choose between quarterly, semi-annual and annual payment.

 

15.4 Changes in the terms of payment can only be made at 30 (thirty) days' written notice prior to the policy anniversary

15.5 There are 10 (ten) days of grace on each premium due date

 

15.6 The policyholder shall be responsible for punctual payment of the premium to the Company, and if a premium is not received by the Company within 10 (ten) days' grace period at any due date, the Company's  liability shall cease.

 

15.7 The policyholder's attention is drawn to Art. 6.5 regarding payment of outstanding amounts.

 

15.8 You may also have to pay other charges, such as Insurance Premium Tax (IPT), or other taxes, levies or charges, depending on the laws of your residency country. If they apply to you, they will be included within the total that you have to pay on your invoice. The charges may apply from the commencement date or your anniversary of the commencement date. You must pay these charges to us when you pay your premiums, unless otherwise required by law.

 

 

 

 

 

 

 

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Art 16. Information necessary to the Company