Terms and Conditions

Introduction

These Terms of Use ("Terms") govern your use of Premier Health Insurance UK's services, website, and insurance products. By accessing our services or purchasing our insurance products, you agree to be bound by these Terms. If you disagree with any part of these Terms, please do not use our services.

Definitions

Throughout these Terms, the following definitions apply:

• "Company," "we," "our," or "us" refers to Premier Health Insurance UK
• "Services" means all insurance products, website features, and related services provided by us
• "Policy" means the insurance policy document and associated coverage details
• "Member," "you," or "your" refers to the individual or entity using our services or holding our insurance policy

Insurance Services

Policy Terms

Our insurance policies are subject to:

• The specific terms and conditions outlined in your policy document
• Applicable UK insurance laws and regulations
• Our underwriting criteria and risk assessment procedures
• Regular review and renewal processes

Coverage Eligibility

To be eligible for our insurance coverage, you must:

• Be a UK resident
• Meet our medical underwriting criteria
• Provide accurate and complete information during application
• Pay all required premiums on time

Your Obligations

As a policyholder or service user, you agree to:

• Provide accurate and complete information during application and claims processes
• Update us promptly of any changes to your personal or health information
• Pay premiums as per the agreed schedule
• Follow the claims procedures outlined in your policy
• Use our services in accordance with these Terms and applicable laws
• Maintain the confidentiality of any account credentials

Premium Payments

Our premium payment terms include:

• Payment must be made according to the agreed schedule
• Premium rates may be reviewed and adjusted annually
• Non-payment may result in policy suspension or cancellation
• Changes to payment methods must be communicated in advance

Claims Process

When making a claim:

• Follow the claims procedure outlined in your policy document
• Provide all required documentation and information promptly
• Cooperate with any investigation or verification processes
• Report claims within the specified timeframe

Policy Cancellation

Your Right to Cancel

You may cancel your policy:

• Within 14 days of receipt (cooling-off period)
• At any time with 30 days' written notice
• Subject to any terms specified in your policy document

Our Right to Cancel

We may cancel your policy if:

• Premium payments are not maintained
• Material information is found to be incorrect or fraudulent
• Terms of the policy are breached
• Required by law or regulatory requirements

Website Use

When using our website, you agree:

• Not to attempt unauthorized access to our systems
• Not to introduce malicious software or code
• To use the website for lawful purposes only
• To respect our intellectual property rights

Intellectual Property

All content on our website and services, including but not limited to text, graphics, logos, and software, is our property and protected by UK intellectual property laws. You may not:

• Copy or reproduce our content without permission
• Use our trademarks or branding without authorization
• Modify or create derivative works from our content

Limitation of Liability

Our liability is limited to:

• The terms specified in your policy document
• Coverage limits and exclusions stated in your policy
• Obligations under UK insurance laws and regulations

We are not liable for indirect or consequential losses unless required by law.

Complaints Procedure

If you have a complaint:

• Contact our customer service team first
• Follow our formal complaints procedure if necessary
• Refer to the Financial Ombudsman Service if unsatisfied
• Maintain written records of all correspondence

Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be:

• Communicated to you in advance
• Posted on our website
• Effective from the date specified

Continued use of our services after changes indicates acceptance of the new Terms.

Governing Law

These Terms are governed by and construed in accordance with the laws of England and Wales. Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.

Contact Information

For queries regarding these Terms, please contact us at:

Premier Health Insurance UK
Whitehaven House
14 Hazelwick Court
Aldeburgh
Suffolk IP15 5EG
United Kingdom