IAK Supplementary Health Care Insurances - IAK Verzekeringen

4.3
Invoices generated by computer must be initialled by the care provider. Submitted invoices on the basis of which
payments have been made will not be returned to the insured person.
Submitted invoices must be made out in Dutch, German, English, French or Spanish.
Interests
If the interests of the health care insurer are prejudiced as a result of failure to perform the obligations mentioned in
clause 4.1, the health care insurer can suspend entitlement to care or care cost reimbursement as outlined in these
policy conditions.
5 Amendments to premium and conditions
5.1
5.2
Amendments to premium and conditions
The health care insurer is entitled to amend these policy conditions and the premium for the health care insurances to
which they refer at any time. The health care insurer will notify the policyholder of the intended amendments. Such
amendments will take effect on a date to be specified by the health care insurer. In the case of group insurance, the
terms under which conditions and/or premiums may be reviewed can be laid down in greater detail in the group health
insurance contract.
Right to give notice
If the health care insurer increases the premiums and/or changes the conditions of the policy to the disadvantage of
the policyholder or insured person, the policyholder will be entitled to give notice of termination of the contract from
the day on which the increase or change becomes effective, and in any event for a period of one month after the
policyholder has been notified of the change. However, the policyholder does not have this right to give notice if the
change to the policy conditions is a direct consequence of statutory measures, legislation or provisions, or if the
increase in the premium is a direct result of the insured person to whose age the premium is linked having reached a
certain age.
6 Inception, term and termination
6.1 Inception and term
The insurance will commence on the date stated on the policy schedule or on 1 January of a calendar year and will
apply throughout the calendar year in which the policy inception date falls. After this period has expired, the policy will
be renewed tacitly from one calendar year to another.
From the date on which the insurance takes effect, the health care insurer may supply information to and gather
information from third parties (health care providers, suppliers and the like) as far as deemed necessary to be able to
fulfil the obligations of the insurance.
6.1.1 The Jong insurance described in these insurance terms and conditions will end from the first day of the month
following the month in which the insured person reaches the age of 27.
6.1.2 All insured persons aged 18 and older who are included on the policy have the option of taking out a supplementary
insurance policy of their choice. Children under 18 years of age are covered under the same supplementary insurance
as the adult included on the policy who has the highest level of cover. This does not apply where insured persons aged
18 or older have taken out a Comfort supplementary insurance policy.
6.2
6.3
6.3.1
6.3.2
6.3.3
6.3.4
6.3.5
6.4
Policy changes
On 1 January of each year, the policyholder has the right to change to a different insurance policy. The policyholder
must inform the health care insurer of any such change by 31 December at the latest. The health care insurer can set
special conditions to be applied to the granting of supplementary insurance, such as the requirement to submit a
completed and signed health certificate.
Cancellation by operation of law
The health care insurances described in these policy conditions will be terminated by operation of law on the day
following the date on which:
the health care insurer is no longer allowed to offer health care insurances, due to changes in or a revocation of its
licence to operate a non-life insurance company;
the insured person dies;
the insured person’s obligation under the Zvw to take out insurance terminates;
the insured person takes up permanent residence abroad, unless the health care insurer stipulates otherwise.
the health care insurer ceases to offer and perform these insurances.
The policyholder will inform the health care insurer immediately of all facts and circumstances about the insured
person that have led or might lead to the termination of the insurance. If on the basis of the information referred to
above the health care insurer comes to the conclusion that the insurance will be terminated or has already been
terminated, it will notify the policyholder to that effect immediately, stating the reason and the date on which the
insurance was terminated or will be terminated.
If the insurance is to be terminated on the basis of 6.3.5 above, the health care insurer undertakes to inform the
policyholder at least 3 months beforehand of said termination.
Notice by the policyholder
Together for a perfectly insured future 13