9.01 Starting and renewing your membership

When your cover starts

Your membership starts on the “effective date” shown on the first Membership Certificate that we sent you, the principal member, for your current continuous period of Bupa Malta membership.

Applying and increasing your level of cover

To be covered under one of our plans, you need to be habitually resident and actually living in Malta for more than six months per year of cover and under the age of 65.

When cover starts for others on your membership

If any other person is included as a dependant under you, the principal member’s membership, their membership will start on the “effective date” on the first Membership Certificate we sent you, the principal member, for you, the principal member’s current continuous period of Bupa Malta membership which lists them as a dependant. Their membership can continue for as long as you, the principal member, remain a member of the plan.

If you, the principal member’s membership ceases, your dependants can then, of course, apply for membership in their own right.

Renewing your membership

Your membership can be renewed automatically every year on your renewal date, subject to acceptance of our renewal terms and by continuing to pay your subscriptions and any other payments due under your agreement with us.

If you, the principal member, or your group sponsor do not wish to renew your membership, you or your group sponsor must inform us in writing as soon as you receive your renewal documents and prior to your renewal date.

If we decide to discontinue your plan, you, the principal member, or your group sponsor may be offered membership of another Bupa Malta plan as an alternative. If you, the principal member, transfer within one month, without a break in your cover, we will not add any special restrictions or exclusions to your cover under your new plan that are personal to you, other than those which apply to you under this plan.