9.04 If we make changes

We may change the benefits and rules of your membership on your renewal date.

These changes could affect, for example:

• how much you, the principal member’s, or the group sponsor’s subscriptions will be
• how often you, the principal member, or the group’s sponsor have to pay them
• the cover you receive.

Any changes we make will only apply from your renewal date, regardless of when the change is made.

We will not add any personal restrictions or exclusions to someone’s cover for medical conditions that started after they joined the plan, provided:

• they gave us the information we asked them for before joining, and
• they have not applied for an increase in their cover.

If we do make any changes to your plan, we will write to tell you, the principal member, about the changes. If you, the principal member do not want to accept them, you can end your membership without the changes being introduced, provided that you do so:

• within 28 days of the date on which the changes take effect, or
• within 28 days of us telling you about the changes, whichever is later.

Amending your Membership Certificate

We will send you a new Membership Certificate if we need to record any changes which you or your group sponsor have requested, or we are entitled to make; for example adding a dependant. Your new Membership Certificate will replace any earlier version you possess as from the issue date shown on the new Membership Certificate.