Health Insurance Cancellation of policy ? Mid term

D

DirectDevil

Registered User
Messages
912
Considering cancelling my health insurance policy with Laya. - Long story...

I understand the policy wording to mean that if I renew, as I did in January, I am stuck with Laya for the rest of this policy year up to 31.12.2016.

I read the wording to mean that irrespective of how I paid - one payment or direct debit - I cannot cancel the policy and get a refund for the unexpired portion of the insurance year.

Indeed, I also read it to mean that if I cancelled and stopped direct debits that Laya could pursue me in contract for the premium for the whole year.

Am I reading this correctly ? Does anyone have experience of trying to cancel mid-term ?
 
Hi, Just wondering how did you get on with this back in 2016, I'm in a situation where I changed over to IrishLife and never knew that my Laya policy auto renews and now I have 2 health policies now, considering defaulting not paying Laya
 
In case it helps at all...

Cancelling and switching

In general, health insurance policies are 12-month contracts. All insurers must provide a 14-day cooling-off period from the commencement of the contract, during which time you may cancel and get a full refund. No claims will be paid in respect of these 14 days.
www.hia.ie www.hia.ie
 
You must log in or register to reply here.
Back
Top