9.03 Making changes to your cover

You, the principal member’s, or your group sponsor’s contract is an annual one, and you can therefore only change your level of cover from your renewal date.

Changing your level of cover

If you, the principal member, or your sponsor want to change your level of cover, please contact our Call Centre before renewal to discuss your options.

If you, the principal member, or group sponsor want to increase the level of cover we will ask you to complete an application form including your medical history, and certain restrictions may apply to your cover.

If you, the principal member, or group sponsor have any concerns about your subscriptions, or if your circumstances have changed, please contact our Call Centre so that we can try to help.

Adding dependants

You, the principal member, may apply to include your dependants under your membership providing you fill in an Addition of Dependant form.

Newborn children can only be included on your membership from their date of birth on completion of an Addition of Dependant form, provided:

• at least one parent has been covered on this membership for 12 months or more prior to the child’s birth, and
• the child has not been adopted or born to a surrogate, or
• the child is not being enrolled on their own membership.