Ways To Pay

So long as you meet our age and location requirements, we promise to accept your application, regardless of your state of health. If you paid in full then you will be fully covered from the start date.
If you have chosen to pay for your plan by one of our monthly payment options you will be fully covered after the moratorium period has passed, which is 12 consecutive monthly payments for Fixed Term Instalments and 24 for Fixed Monthly Payments.
If you die during the Moratorium Period, and it is the result of an Accident, you are fully covered and the plan will be provided. However, if it’s not the result of an accident a full refund will be made to your estate which can be used towards a funeral.

You cannot take a payment holiday, however, If You encounter difficulties in making payments during the Payment Term, it’s important You get in touch as early as possible. You can miss up to a maximum 2 consecutive payments without losing the benefits of the Plan.

Your plan is at risk if you do not keep payments up to date. If you miss a payment you will be given the opportunity to bring your payments up to date. If you miss two consecutive payments we will send you a written statement and give you 10 days to rectify the payment shortfall. If the payment shortfall is not rectified within this time then we will cancel your plan and you may not be entitled to receive any money back.