Sanitas Multi - Insurance premiums ( health insurance )

1. In accordance with article 14 of the Insurance Contract Act, the Policyholder is under the obligation to pay the premium, which shall be effected by direct debit, unless agreed otherwise in the particular conditions.

2. According to article 15 of the above-mentioned Act, the first premium will be due once the contract has been signed. If it has not been signed for the Policyholder's fault, the Insurer is entitled to terminate the contract or demand payment in an enforcement procedure based on the Policy, and if it has not been paid before the claim is made, the Insurance Company shall be relieved of its obligation, unless agreed otherwise.

3. If the second and successive premiums are not paid, the Insurer's guarantee is suspended one month after its expiration date, and if the Insurer does not claim repayment within six months of said expiration, the contract will be considered to have lapsed. If the contract has not lapsed or been terminated in accordance with the foregoing conditions, the guarantee becomes effective again twenty-four hours after the day on which the Policyholder pays the premium. In any case, when the contract is in abeyance, premium payment may only be demanded for for the current period.

4. The Insurer is only bound by the receipts issued by the Management or by its legally authorised representatives.

5. At each renewal the annual premium will be determined in accordance with the age reached and the gender of each one of the Insureds by applying the rates that the Insurer has in force at the time of renewal. The Policyholder grants his / her approval of the premium variations that may occur for this reason.

6. After receiving the Insurer's communication, when appropriate, relating to the variation in the amount of the premiums for the next annual period, the Policyholder may choose between extending the insurance policy and terminating it at the expiration of the current insurance period. In the latter case, the Policyholder should notify the insurer in writing of his / her desire to terminate the contractual relationship at its expiration date. Payment of the first premium corresponding to the premium for the current extension period shall signify acceptance of the set of new insurance contract conditions.

Return to Index (English Conditions)

For more information your English Sanitas agent is: David Harris

Mobile / cell: (00 34) 609 522 300

email: saniprof@wanadoo.es or saniprof@mail.ddnet.es - thanks.

(Free messenger service - I cover the whole of Spain (click here...))

Answers to your queries Preliminary clause Definitions

I. Object of the insurance II. Excluded risks III. Bases, loss of rights, cancellation and incontestability of the policy

IV. Waiting periods (moratorium) V. Term of the insurance VI. Insurance premiums

VII. Policy-holder's and / or insured's obligations and duties VIII. Policy-holder's and / or insured's rights IX. Insurer's obligations

X. Duplicate policy XI. Complaints XII. Subrogation

XIII. Prescription XIV. Communications XV. Claim control and authorities

XVI. Other XVII. Jurisdiction

main index / índice principal

Disclaimer / Aviso

A Coruña	Álava	Albacete	Alicante	Almería	Asturias	Ávila	Badajoz	Balearic Islands	Barcelona	Burgos	Cáceres
Cádiz	Cantabria	Castellón de la Plana	Ceuta	Ciudad Real	Córdoba	Cuenca	Girona	Granada	Guadalajara	Guipúzcoa	Huelva
Huesca	Jaén	La Rioja	Las Palmas	León	Lleida	Lugo	Madrid	Málaga	Melilla	Murcia	Navarra
Ourense	Palencia	Pontevedra	Salamanca	Segovia	Sevilla	Tarragona	Tenerife	Teruel	Toledo	Valencia
Valladolid	Vizcaya	Zamora	Zaragoza	Dental insurance policies	Sanitas Health Plan Classic	Sanitas Multi	Sanitas Mundi	Sanitas Health Plan Complete