What happens if I don't pay my premiums when due?

We will cancel the policy where you have not paid the full premium when due. We shall notify you of this cancellation and the contract shall be deemed cancelled from the premium due date. However, if the premium is paid within 30 days after due date, we will reinstate your insurance cover and pay any claims which occurred during the period of cancellation. However, if the outstanding premium is only paid after this 30-day limit, you must complete an individual health declaration form before your policy can be re-instated.