You will receive a Membership Pack email shortly after applying to one of our plans. This will include your Insurance Certificate, Membership Card and Table of Benefits. These and other documents are also available on MyHealth app and portal.
Now you can update your personal information such as home or business address, email address or telephone number via MyHealth Digital Services. Simply login via browser or use the MyHealth app and click on “Manage Account” to change your details. It is important to keep your details updated to help us to keep in contact with you accordingly.
If you move country and need to update your post address please click here for more information.
Policies with full medical underwriting
You may apply to add a family member in your policy by completing the relevant application form and submitting it to [email protected]. Your new dependant will be subject to medical underwriting and, if accepted, cover will start from the date of acceptance.
Policies with moratorium
Simply contact us to request the addition of a family member to your policy. There is no need to complete an application form and we’ll cover the new dependant from the date on which you notify us or from a later date that you may request – a new moratorium will apply for that dependant. In this case, simply email us at: [email protected]
Non-underwritten policies (large group policies)
To add a family member as a dependant on your policy, simply notify your company and they will organize it with us.
If you are in doubt about what type of underwriting terms apply to you policy, check this article.
Policies with full medical underwriting
Please send an email to [email protected] within four weeks from birth and attach the birth certificate. With the exception of multiple birth babies, we will accept the baby without medical underwriting if the birth parent or intended parent (in the case of surrogacy) has been insured with us for a minimum of eight continuous months. Cover will start at birth.
Notification of the birth after four weeks will result in newborn children being underwritten and cover will only commence from the date of acceptance.
Multiple birth babies will be underwritten and if accepted, cover will start from the date of acceptance.
Policies with moratorium
Simply contact us at [email protected] and request the addition of a family member to your policy. There is no need to complete an application form and we’ll cover the new dependant from the date on which you notify us or from a later date that you may request – a new moratorium will apply for that dependant.
However, if the newborn is less than four weeks old, but we have not covered either of their parents for a continuous period of at least eight continuous months, you will need to complete the relevant application form. We will review the application form, confirm the date we agree to add the newborn and a new moratorium will apply for him/her.
Non-underwritten policies (large group policies)
Newborn infants (including multiple birth babies, babies born by surrogacy, adopted and fostered children) will be accepted for cover from birth, provided that we are notified within four weeks of the date of birth. To have a newborn added to the policy, you must ask your company to submit a request in writing, including a copy of the birth certificate, to its usual contact person for membership changes. Please note that if you don’t notify your company within this four weeks period, newborn children will be accepted for cover from the date of that notification.
If you are in doubt about what type of underwriting terms apply to you policy, check this article.
If you have an individual policy and want to change your level of cover, please contact us before your policy renewal date to discuss your options, as changes to the level of cover can only be made at policy renewal. If you want to increase your level of cover, we may ask you to complete a medical history questionnaire and/or to agree to certain exclusions or restrictions to any additional cover before we accept your application. If we confirm the cover increase, an additional premium amount will be payable and waiting periods may apply.
If you are covered under a group scheme plan the level of cover was decided by your company, therefore if you want to discuss any change you must contact your group administration or Human Resources.
It is important to let us know when you change your country of residence. This may affect your cover or premium, even if you are moving to a country within your geographical area of cover, as your existing plan may not be valid there. Cover in some countries is subject to local health insurance restrictions, particularly for residents of that country. It is your responsibility to ensure that your health cover is legally appropriate. If you are not sure, please get independent legal advice, as we may no longer be able to cover you. The cover we provide is not a substitute for local compulsory health insurance.
How do I notify that I am moving country?
If you are member of an individual policy, just contact our Helpline.
If you are a member of a group scheme, please notify your company and our Helpline.
We process your personal information according to the our Privacy Notice. We will conduct the processing of your personal information only in accordance with the provisions outlined in this Privacy Notice.
In accordance with our Privacy Notice, sensitive information may only be discussed with or disclosed to the natural person to whom the information relates, unless:
- That individual has provided their explicit consent to the disclosure of their sensitive information with another person (natural or legal); or,
- The disclosure of that individual’s sensitive information to another person (natural or legal) is in the vital interests of the individual and they are not physically or mentally able to provide their explicit consent to the disclosure.
If a natural person is under 18 years of age:
Sensitive information can be discussed with or disclosed to the parents or legal guardians of an individual under 18 years of age. It is the responsibility of the parent(s) or legal guardian(s) to provide consent on behalf of the individual for disclosure of their sensitive information in accordance with the above requirements.
If you would like to consent that we disclose details of your claims or any other sensitive information (as defined in our Privacy Notice) to a family member or a third person (natural or legal), we would ask you to complete the Third Party Consent Form available here. Please submit the completed and signed form to us by email to: [email protected]
We would like to make you aware that you can specify in the Third Party Consent Form the type of information your explicit consent is limited to (e.g. only personal data but not sensitive data).
If you pay your premium and your company renews your cover or you pay your premium as member of an individual policy (and that of your dependants, if applicable), your policy will automatically renew for the next Insurance Year, if:
- The plan or plan combination selected is still available (applicable for individual policies)
- We can continue to provide cover in your country of residence
- All premiums due to us have been paid
- The payment details we have for you are still valid on the policy renewal date. Please update us if you get a new/replacement credit card or if your bank account details have changed
If your company pays for your premium, the renewal of your cover (and that of your dependants, if applicable) is the decision of your company.
If your cover under the Company Agreement comes to an end, you can apply for cover under one of our Healthcare Plans for Individuals and Families, by simply sending us an email to [email protected]. You need to submit your application within one month of leaving the group scheme. You may be subject to underwriting. If we accept your application, cover will start on the first day after you leave the group scheme.
Contact Us
Your contacts for general enquiries and emergency assistance.