Once you and your spouse or partner have joined the Global Health plan you may continue to renew your cover each year, subject to our agreement and subject to the agreement and the Table of Benefits in force at the time of each subsequent renewal date, and subject to payment of your renewal premium on or before the renewal date.
If you have any questions about the renewal of your Global Health insurance plan, please contact us or refer to the information below:
Phone: + 44 1276 486455
Fax: + 44 1276 486466
Email: renewals@william-russell.com
Renewal premiums
Your premium for each new period of cover will depend on your age at the start of the new period of cover, (and the ages of your dependants at the start of their new period of cover), the number of dependent children you insure, your plan type, your area of cover, and your excess amount. Future renewal premiums are subject to change. Please also note that our premiums are age banded and will get more expensive as you get older.
We will write to you with our renewal terms and a renewal premium invoice prior to your renewal date.
Renewal of a child’s policy
Your children can continue to be covered under your plan at the appropriate child rate for as long as they are unmarried and less than 18 years old at each subsequent renewal date, or less than 25 years old if they are in continuous full-time education.
When your child marries, or reaches the age of 18 years at your renewal date or when they cease being in full-time education, or, if they are in continuous full-time education but have reached the age of 25 at your renewal date, they are no longer eligible to be covered under your plan.
They can, however complete and sign a Global Health application form and apply to have their own plan. The appropriate adult rate at that time will apply. Provided there is no break in their insurance cover their date of entry will be the same as the date on which they joined your plan.
No claim incentive (applicable only to persons whose date of entry is prior to 1st January 2007)
For as long as you do not have a claim on your plan, we will use your age at your date of entry (or if your date of entry is before 1999 your age at your renewal date in 1999), when calculating your renewal premium. This does not mean that your premium will remain the same each year. All our premiums are subject to an annual increase due to inflation that affects the medical insurance industry as a whole.
If you make a claim (i.e. incur expense for treatment covered by your plan) your entitlement to the no claim incentive will cease immediately and you will have to pay the correct renewal premium applicable to your actual age, from the renewal date following the date on which you first suffered the symptoms which gave rise to your claim.
If we are not notified of your claim until after we have issued your renewal premium invoice or until after you have paid your renewal premium, you must pay to us the difference between the premium we invoiced before we knew about your claim, and the premium based on your actual age at the renewal date. If you pay your premiums annually, we will issue an invoice for the difference in premium. If you pay your premiums monthly, we will debit your card for the difference in premium and adjust your future monthly premium payments. If you do not pay us the difference in premium we reserve the right to deduct the amount owing to us from your claim settlement.
Please note that the incentive does not apply in respect of dependant children. This means that if a child reaches the age where they are no longer eligible to be covered by your plan, and they decide to take out their own Global Health plan, they will have to pay the appropriate adult rate, even if they have never made a claim under your plan.
Automatic renewal if you pay by credit or debit card or by direct debit
If you pay your premiums by credit or debit card, provided the card details we hold for you are still valid, we will automatically debit your card with your renewal premium on or before your renewal date.
If you pay your premiums by direct debit, we will automatically debit your account with your renewal premium on or before your renewal date.
If you do not wish to renew your plan you must inform us in writing as soon as you receive your renewal premium invoice and prior to your renewal date.
Paying your Global Health premiums in UAE dirhams
If you have a dirham policy you must pay an annual premium by bank transfer or bank draft. We cannot accept credit card payments for a dirham policy.
Unpaid or late renewal premiums
We will automatically cancel your cover if you fail to pay your premium on or before the date it is due, or if we areunable to collect your premium from your credit or debit card, or if we are unable to collect your premium by direct debit. However we may allow your cover to continue without you having to complete a new application form and health declaration if you pay the outstanding premium within 30 days of its due date. If you incur medical expenses during this 30 day period, we will not settle your claim until we have received the full annual premium.
If your premium is outstanding for more than 30 days you can apply to have your cover reinstated but you will have to complete and send us a Health Declaration together with payment of all outstanding premiums. If your state of health has changed we reserve the right to decline to renew your cover, or to continue to insure you at special terms. Cover can only be renewed once we have received a satisfactory Health Declaration and payment of all outstanding premiums.
If a renewal premium is outstanding for more than 60 days, you will have to apply for a new Global Health plan and the pre-existing condition exclusion will apply from your date of entry to your new plan. Any rights to the no claim incentive accrued under your previous plan will no longer apply.
Changing your address and country of residence
You must tell us if you change your address and if you change your country of residence. Please complete our online change of address form. Your country of residence is the country in which you are habitually resident.
Cancelling your Global Health plan
If you decide to cancel your Global Health plan you must tell us in writing and we will cancel your cover from the date on which we receive your instruction to cancel your cover, (not before – you cannot backdate the cancellation of your membership), or from a date in the future advised by you. Provided you have not submitted a claim in respect of your current period of cover, we will refund the unused portion of your premium. If you have submitted a claim, no premium refund is due.