Unpaid premium on your Indigo Expat policy (Allianz)

Extract of the Membership Guide (01.01.2021) for Indigo Expat Classic and CFE

“When cover starts

When you receive your Insurance Certificate, this is our confirmation that you’ve been accepted onto the policy. It will confirm the start date of your cover. Please note that no benefit will be payable under your policy until the initial premium has been paid, with subsequent premiums being paid when due”

“Reasons your membership would end

Please remember that your membership (and that of all the other people listed on the Insurance Certificate) will end:
• If you do not pay any of your premiums on, or before, the date they are due. However, we may  allow your membership to continue without you having to complete a Confirmation of Health Status Form, if you pay the outstanding premiums within 30 days after the due date”

Paying premiums of your Indigo Expat policy

“Premiums for each Insurance Year are based on each member’s age on the first day of the Insurance Year, their region of cover, the policyholder’s country of residence, the premium rates in effect and other risk factors which may materially affect the insurance.

By accepting cover you have agreed to pay the premium amount shown on your quotation, by the payment method stated. You need to pay us in advance for the duration of your cover. The initial premium or first premium instalment is payable immediately after we accept your application.

Subsequent premiums are due on the first day of the chosen payment period. You may choose between monthly, quarterly, half-yearly or annual payments depending on the payment method you choose.

When you receive your invoice, please check that the premium matches the amount shown on your agreed quotation and contact us immediately if there is any difference. We are not responsible for payments made through third parties.

You should pay your premium in the currency you selected when applying for cover. If you are unable to pay your premium for any reason, please contact us on: +353 1 630 1301.”

Unpaid premium – procedure & reminders

“Changes in payment terms can be made at policy renewal, via written instructions, which we must receive a minimum of 30 days before the renewal date. Failure to pay an initial premium or subsequent premium on time may result in loss of insurance cover and we will have no liability to pay claims for any Insurance Year for which the full premium has not been received.

If the premium due is not paid, we will suspend your cover 30 days after we have provided you with written notice by registered letter. Your policy will then be deemed cancelled if the premium due has not been paid, ten days after expiry of the thirty day notice period.

However, if we receive the outstanding premium (i.e. all premium payments or instalments subject to the formal notice issued by registered letter, together with any premium instalments falling due during the suspension period as well as any costs of recovery) before the cancellation takes effect, cover will resume its effect from midday on the day after we receive the full amount outstanding.
After cancellation we may allow your membership to continue without you having to complete a Confirmation of Health Status Form, if you pay the outstanding premiums within 30 days of the date of cancellation.”

Paying other charges

“If applicable, you may also need to pay the following taxes in addition to your premium:

• Insurance Premium Tax (IPT)
• VAT
• Other taxes such as the Taxe de Solidarité Additionnelle (TSA), levies or charges relating to your cover that we may have to pay or collect from you by law.

These charges may already be in effect when you join but they could be introduced (or change) afterwards. Your invoice will show these taxes. If they change or if new taxes are introduced, we will write to inform you.

In some countries you may also be required to apply withholding tax. If that is the case, it is your responsibility to calculate and pay this amount to the relevant authorities in addition to payment of your full premium to us.”

Please note that if you change your data online, tax could be implemented automatically. The system considers the new address as your address of residence. For example, you modify your address to recieve eventual letters in Belgium, even if you reside in Indonesia. When the date is modified in the Allianz system, it considers that you reside in Belgium. Starting from that date, the Insurance Premium Tax (IPT) will be added on your invoice (approx. 9.25% in 2021).

Pay attention to the local regulation

Please note that subscribing to an international health insurance does not free you from the local regulations. If you are eligible to contribute to a local healthcare system, make sure that your are compliant. Otherwise, you may be subject to paying a tax levy.