If a payment fails on your expat health insurance policy, your account is marked delinquent and you have 30 days to settle the outstanding balance before the policy is canceled. If your policy is canceled (whether due to a missed payment or accidentally) you have 6 months from the cancellation date to reinstate it, and no claims can be made in that time. Reinstatement after accidental cancellation requires contacting our support team. After the 6 month window closes, reinstating the original policy is no longer possible and a new policy must be purchased, which includes a 31-day waiting period and treats previously claimed conditions as pre-existing.
What happens if a payment for my expat health insurance policy fails?
If a payment for your expat health insurance policy fails, your account is marked as delinquent and you have 30 days to settle the outstanding balance. If the balance is not paid within those 30 days, your policy is canceled. You then have 6 months from the cancellation notification to reinstate the policy.
Can I reinstate my expat health insurance policy after it has been canceled?
Yes, you can reinstate a canceled expat health insurance policy, but only within 6 months of the cancellation date.
-If your policy was canceled due to a missed payment, reinstatement requires settling the outstanding balance.
-If you have accidentally canceled your policy, you can contact our support team for more assistance to start the reinstatement process.
In any case, please keep in mind that you wouldn’t be able to submit claims for events that occurred during that period.
After the 6 months window closes, reinstating the original policy is no longer possible.
What happens if I don't reinstate my expat health insurance policy within 6 months?
If you do not reinstate your expat health insurance policy within 6 months of the cancellation date, reinstating the original policy is no longer possible and you will need to purchase a new policy if you want to be covered.
How can I purchase a new expat health insurance policy if my account is marked delinquent?
Purchasing a new policy is only possible after any outstanding payments have been collected, and this collection process is handled manually. You can contact our support team for more assistance to start the process. Once the outstanding amounts are paid, your account is no longer marked delinquent and you'll be able to purchase a new policy.
What conditions apply to a new expat health insurance policy purchased after my account was delinquent?
A new policy purchased after your account was marked delinquent includes the following conditions:
A 31-day waiting period applies before coverage begins.
Any medical conditions that were claimed under your previous policy are treated as pre-existing conditions and are not covered under the new policy.