9.02 Ending your membership

When your membership will end

Your membership will automatically end:

• if you, the principal member, do not pay any of your subscriptions on, or before, the date that they are due. However we may allow your membership to continue without you having to complete a new medical history, if you, the principal member, pay the outstanding subscriptions in full within 30 days. If you, the principal member, are unable to pay your subscriptions for any reason, please contact our Call Centre
  
  
• if you, the principal member, or your group sponsor do not pay the amount of any taxes, levies or other charges that you have to pay under your agreement with us on or before the date that they are due
  
  
• upon the death of the principal member. If the principal member, dies the next named dependant over the age of 18 on the Membership Certificate may apply to Bupa Malta to become a principal member of the plan in his or her own right and include the other dependants under their membership. If they apply to do this within 28 days, Bupa Malta will at its discretion not add further special restrictions or exclusions to the dependant’s cover that are personal to them in addition to those which applied to the dependant under the plan when the principal member died.

Important

Bupa Malta can end a person’s membership and that of all the other people listed on the Membership Certificate if there is reasonable evidence that any person concerned has misled, or attempted to mislead us.

By this, we mean giving false information or keeping necessary information from us, or working with another party to give us false information, either intentionally or carelessly, which may influence us when deciding:

• whether you (or they) can join the plan
• what subscriptions you, the principal member, have to pay
• whether we have to pay any claim

How to end your membership

You, the principal member, or your group sponsor can end your membership, or that of any of your dependants, from your next renewal by writing to us.

You, the principal member, or your group sponsor cannot backdate the cancellation of your membership.

Country of residence

You, the principal member, must tell us if your country of residence changes.

Your right to cancel

You, the principal member, or your group sponsor may cancel your membership of the plan for any reason by writing to us within 28 days of receiving your first Membership Certificate. In that case you, the principal member, will be entitled to a full refund of all subscriptions paid, subject to no claims having been made.

You, the principal member, or your group sponsor may also cancel the membership of any of your dependants for any reason by contacting us within 28 days of receiving your first Membership Certificate that names them as a dependant. In that case you, the principal member, will be entitled to a full refund of all your subscriptions paid relating to them, subject to no claims having been made on their behalf.

Death

Upon death of a principal member or a dependant we should be notified inwriting within 28 days. Their membership will be ended and we will refund any subscriptions paid which relate to a period after it ends if no claims have been filed on their behalf.