All policies are subject to a mid term cancellation fee if they cancel the policy prior to the next renewal date.
The mid term cancellation charge consists of an administration fee of €25.00 per policy plus any outstanding government levy that Irish Life Health pays on behalf of members insured, which will be calculated on a pro-rata basis for each member on the policy for the remainder of the policy term.
If you have made an in-patient or day case claim, you will not be entitled to any refund of premium. If only out-patient claims have been made on your plan we shall arrange as appropriate for the refund of any unspent premiums on a pro rata basis from the date on which cancellation becomes effective less the mid term cancellation charge.
Early cancellation will result in eligible out-patient claims only being reimbursed on a pro-rata basis up to the day of cancellation and the full policy excess will apply.