Cancellation in case of distance selling
Distance selling provisions apply if the policy is concluded via one or more distance selling techniques, particularly sale via correspondence or
via the internet. In accordance with article L 112-2-1 of the French Insurance Code, a cancellation period of 14 calendar days applies in the case of distance selling. This period begins on the date the policy is concluded or from the date the applicant receives the policy conditions and information mentioned in article L.222-6 of the French Consumer Code (if this is after the date the policy is concluded).
The date of conclusion of the policy corresponds to the membership start date.
This cancellation right shall not apply if the policy is entirely executed by the two parties at the Member’s explicit request before the Member exercises his/her cancellation right.
Cancellation procedure in the case of distance selling
To exercise his/her cancellation right, the Member must send the Insurer, through l’Association Coopération, Mobility et Expatriation (ACME), 9 rue du 4 septembre, 75002 Paris, France, a letter by registered mail stating his/her desire to cancel his/her membership. The following template may be used:
“By this letter, I the undersigned …… (full name and address) hereby cancel my membership of policy G0389 which I signed on ……in ……… (place of
membership) and ask for reimbursement of the payment I made, corresponding to the sum of € …. [amount in euros]. On … (date and signature).”
Effects of cancellation (distance selling or on receipt of the membership certificate)
The Insurer, via the Third Party MSH International, then reimburses the premiums paid within 30 calendar days from the date the registered mail is received. Membership is considered never to have existed and cover does not apply, from receipt by the Insurer, via MSH International, of the cancellation letter sent via registered mail. After the period of thirty (30) days, the sum due accrues interest at the legal rate.
Pay attention to the local regulation
Please note that subscribing to an international health cover does not free you from the local regulations. If you are eligible to contribute to a local healthcare system, make sure that you are compliant. Otherwise, you may be subject to paying a tax levy.