Age Limits and Eligibility
Individuals and their dependents of all nationalities are eligible to apply for cover from birth up until the age of 74 years. In the case of children under the age of 18 years, a parent or guardian is required to sign the application on their behalf.
Please note you must be residing in Europe* as of the Effective Date (and Renewal Date). This product does not provide coverage within the USA or Canada.
Please contact us for further details regarding age limits and eligibility, or refer to the Policy Wording (available upon request).
Renewal of Cover
Coversure International Healthcare is annually renewable and continues when renewed. Prior to the end of each 12 month period of insurance, you will receive a renewal form. You must continue to meet the eligibility requirements in order to renew. There are no medical questions at renewal, and your rate will be based upon your age and cover selection at the time of renewal.
Introductory Discount & No Claims Discount
For new applicants, as a welcome bonus to thank you for choosing the Coversure International Healthcare Plan, you will receive an Introductory Discount off your first year’s premium. As long as your Coversure International Healthcare Plan remains claims free at each renewal, your renewal premium will benefit from a No Claims Discount. The greater the number of years your plan remains claim free, the larger the discount will be (up to a maximum as shown).
This is only a summary, please refer to the Premium and Instalment Guide (enclosed) for full details of the No Claims Discount structure, Introductory Discount and other discounts that may also be available.
Automatic Renewal
For your convenience, if you pay by credit/debit card - we will notify you of your renewal premium in advance of your renewal date and automatically renew your Plan and charge your card just before renewal, thereby preventing any accidental break in cover at renewal - unless of course you are no longer eligible or we hear from you to the contrary before renewal.
30 Day Money Back 'No Hassle' Guarantee
Upon receiving your policy documents, please make sure you read them carefully. If you think your Coversure International Healthcare Plan may not meet your needs, you may cancel it without having to pay a charge.
If you decide to cancel, simply return all your policy documentation to us within 30 days - and, as long as you have not already made a claim under the Plan, we will cancel it from inception and promptly give you a full refund of the premium paid - No Questions Asked.