If a payment fails on your expat health insurance policy, your account is marked delinquent and you have 14 days to settle the outstanding balance before the policy is canceled. After cancellation, you have 30 days to reinstate the policy by settling the missed payment. If you don't reinstate within 30 days, you'll need to purchase a new policy instead. Any new policy includes a 31-day waiting period and treats previously claimed medical conditions as pre-existing.
What happens if a payment for my expat health insurance policy fails?
If a payment for your expat health insurance policy fails, your account is marked as delinquent and you have 14 days to settle the outstanding balance. If the balance is not paid within those 14 days, your policy is canceled. You then have 30 days from the cancellation notification to reinstate the policy before further restrictions apply.
Can I reinstate my expat health insurance policy after it has been canceled?
Yes, if your policy was canceled due to a missed payment, you have 30 days from the date of your cancellation notification to reinstate it. You can contact our support team for more assistance or to start the process. We'll then arrange collection of the outstanding payment and restore your policy.
What happens if I don't reinstate my expat health insurance policy within 30 days?
If you don't reinstate your policy within 30 days of the cancellation notification, reinstating the original policy is no longer possible and you'll need to take out a new policy instead.
How can I purchase a new expat health insurance policy if my account is marked delinquent?
Purchasing a new policy is only possible after any outstanding payments have been collected, and this collection process is handled manually. You can contact our support team for more assistance to start the process. Once the outstanding amounts are paid, your account is no longer marked delinquent and you'll be able to purchase a new policy.
What conditions apply to a new expat health insurance policy purchased after my account was delinquent?
A new policy purchased after your account was marked delinquent includes the following conditions:
A 31-day waiting period applies before coverage begins.
Any medical conditions that were claimed under your previous policy are treated as pre-existing conditions and are not covered under the new policy.