We may change the benefits and rules of your membership on your renewal date.
These changes could affect, for example:
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:
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:
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.