If You require Your Child to be covered after this six (6) month period, You must advise Us of the Child's name, sex and date of birth before this free coverage period expires. However all Children are subject to an exclusion for Congenital (i.e. present at birth) disorders as specified in the Section G “Exclusions”. After the six (6) month period Children will be medically underwritten and the relevant Premium will then be charged. However, Children will not be covered under Your Policy after the age of twenty-one (21). • no longer financially dependent on, or under the legal guardianship of You or Your spouse or partner, may transfer to their own Policy if they make a written application to Us within three (3) months of their twenty-first (21 st ) birthday or the date (as determined by Us ) that they ceased to be dependent. No health evidence will be required for a person transferring from an existing Policy to his or her own Policy as long as the person has applied to Us and the new Policy has been issued within the three (3) month period outlined above. Medical underwriting will be required where the new Policy contains additional benefits to that of the original Policy . • Your spouse or partner may also transfer to their own Policy if they make a written application to Us within three (3) months of the date they were removed from the Policy . No health evidence will be required for a person transferring from an existing Policy to his/her own Policy as long as the person has applied to Us and the new Policy has been issued within the three (3) month period outlined above. Medical underwriting will be required where the new Policy contains additional benefits to that of the original Policy . A person who is: • over the age of twenty-one (21); or
TRANSFER TO OTHER POLICIES
4
ADDING OPTIONAL 5
Additional Specialist Visits and Diagnostic Procedures. This optional benefit can be added to Your Policy subject to the following: • A full health statement must be completed and forwarded to Us . • Any increase in Premium for the additional benefit will start from the Policy Commencement Date of the new benefit. • We do not have to agree to any optional benefit addition unless We are satisfied that the Life Assured is in good health. You may remove the optional benefit by giving Us thirty (30) days notice in writing. 6 If the Policy Schedule shows that Your Policy has an Annual Excess , We will deduct the amount of this excess from any claim that We admit under this Policy in respect of expense that You have undergone during the Policy Year , unless: • the claim is submitted under the optional Additional Specialists Visits and Diagnostics Procedures benefit or specific benefits listed under Section C “What Your Policy Covers - Superior 3 Health Cover Benefits” of this Policy . • We have already deducted the Annual Excess amount from another claim in respect of treatment undergone during the same Policy Year in respect of a person insured under this Policy . • It relates to a Related Surgery , in which case it will be waived. You are responsible for paying any Annual Excess to treatment providers.
BENEFITS
ANNUAL EXCESS
Page 15 of 22
PC-S3HC-04/2022
[AIA – INTERNAL]
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