If a payment on your expat health insurance policy fails, your account is marked delinquent and you have 14 days to settle the balance. If it's still unpaid on day 14, we notify you and cancel the policy that same day, and your 30-day window to reinstate it starts then. After that window closes, the original policy can't be reinstated and you'd need to purchase a new expat health insurance policy, which carries 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 14 days to settle the outstanding balance. If the balance isn't paid within those 14 days, we notify you and cancel your expat health insurance policy on day 14. From that cancellation date, you have 30 days to reinstate the policy before further restrictions apply.
Can I reinstate my expat health insurance policy after it's been canceled?
Yes, you can reinstate a canceled expat health insurance policy, but only within 30 days of the cancellation date. The cancellation date is the day we notify you and cancel the policy, which is day 14 after the failed payment. Two situations apply:
If your policy was canceled due to a missed payment, reinstatement requires settling the outstanding balance.
If your policy was canceled accidentally, reinstatement is handled manually. You can contact our support team for more assistance or additional resources.
Once the 30-day window closes, reinstating the original expat health insurance policy is no longer possible.
What happens if I don't reinstate my expat health insurance policy within 30 days?
If you don't reinstate your expat health insurance policy within 30 days of the cancellation date, the original policy can no longer be reinstated. To be covered again, you'll need to purchase a new expat health insurance policy, which is subject to the conditions below.
How can I purchase a new expat health insurance policy if my account is marked delinquent?
Purchasing a new expat health insurance policy is only possible after any outstanding payments have been collected, and this collection is handled manually. Once the outstanding amounts are paid, your account is no longer marked delinquent and you can purchase a new policy. You can contact our support team for more assistance or additional resources.
What conditions apply to a new expat health insurance policy I purchase after my account was delinquent?
A new expat health insurance 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 aren't covered under the new policy.