www.medicaldentalandopticalchoic.es ... Art 17. Assignment, cancellation and expiry (IHHP - International health and hospital plan) Mainly health plans - dental, travel and medical insurance plans for Spain and worldwide / expats, life, accident, office,

International Health and Hospital Plan(Español)

Policy Conditions ( including glossary )

Art 17. Assignment, cancellation and expiry

17.1 Without the prior written consent of the Company, no party shall be entitled to create a charge on or assign the rights under the insurance

17.2 The insurance is automatically renewed on each policy anniversary.

17.2.1 The insurance can be cancelled by the policyholder as from the anniversary date with 3 (three) months' written notice. The insurance shall be effective for 12 (twelve) months as a minimum

17.3 Where upon taking out the insurance or subsequently, the policyholder and / or the insured has fraudulently changed original documents or disclosed incorrect information or withheld facts which may be regarded as being of importance to the Company, the insurance contract shall be void and shall not be binding on the Company

17.4 Where upon taking out the insurance or subsequently, the policyholder and / or the insured has disclosed incorrect information, the insurance contract shall be void, and the Company shall not be liable if the Company would not have accepted the insurance if the correct information had been disclosed. If the Company would have accepted the insurance but on other terms, the Company shall be liable to the extent to which the Company would have undertaken the obligations in accordance with the agreed premium.

17.4.1. In the event that the insurance contract is considered void, according to Art. 17.3 or Art. 17.4, the Company shall be entitled to a service charge which is set as a specified percentage of the premium paid.

17.5 Where upon taking out the insurance, the policyholder and / or the insured neither knew nor should have known that the information disclosed by him / her was incorrect, the Company shall be liable as if such incorrect information had not been disclosed

17.6 The Company can stop or suspend an insurance product at 3 (three) months' notice prior to the policy anniversary, and offer the insured an equivalent insurance cover

17.7 The Company's liability shall automatically cease at the end of the insurance period, including liability for ongoing treatment, consequential damages and after-effects of an injury or illness incurred during the insurance period. Accordingly. upon expiry of the insurance, the right to compensation shall cease, including the right to compensation for claims which are filed later than 6 (six) months after the termination of the insurance.