Cash Plan - Frequently Asked Questions
Who is eligible to buy this policy?
This policy is designed for insured persons and their eligible dependants living within the European Economic Area. Both expatriates (i.e. persons living and/or working outside their home country) and local nationals (i.e. persons living and/or working inside their home country) may be included for coverage.
What currency will my premium be charged in?
When you apply you will get to select the currency (either Euro € or Pound Sterling £) in which you will pay premiums and receive benefits.
Is there an age limit for this policy?
New applicants must be under age 75 at their date of entry. They will remain eligible for cover until the renewal date immediately after their 85th birthday as long as they continue to accept and pay the renewal premium as per the terms offered.
Children must be under 19 (or under 25 if in full time education) and unmarried at their date of entry. Children may remain covered until the renewal date after their 19th (or 25th) birthday or marriage.
Are there any pre-existing medical conditions that are not covered by this policy?
In respect of benefits under Items 1, 3, 7 and 9 only: Any claim or expense of any kind incurred within the first 90 days from the start date of this policy, resulting directly or indirectly from a pre-existing medical condition. (See General Exclusion 1 in your policy wording)
In respect of benefits under Items 17 and 18 only: Any claim or expense of any kind resulting directly or indirectly from a pre-existing medical condition, pregnancy and/or childbirth and complications thereof. (See General Exclusion 1 in your policy wording)
How can I pay for a policy?
The policies are bought online via a secure link with Barclays for Business with a valid debit or credit card
How do I receive my policy?
Once funds have been received, the policy will be delivered instantly to the e mail address used during the sales process
Can I cancel the policy and get a refund?
You have the right to cancel the cover within 30 days of receipt of the policy documents and receive a full refund, provided you have not made any claims under the policy.
You may cancel at other times and may be entitled to a pro-rata refund under certain circumstances:
You must make the request to cancel the policy in writing by sending us an email at firstname.lastname@example.org. Cancellation will be effective from the date that the written notification is received.
Providing no claim has been paid or preauthorisation of expenses given, in respect of any of the insured persons during the period of insurance, you may be entitled to a pro rata refund of premiums. Refunds are based on the number of complete months that the policy has left to run. If there are 3 months or more left to run from the date of the cancellation request to the end of the policy period, you will be entitled to a pro rata refund of premium for each month remaining during the period of insurance.
If the policy has less than 3 full months left to run or there has been a claim or a pre-authorisation issued no refund of premium will be given.
There is no additional fee charged for processing the cancellation of a policy.
Can I buy a couples or family policy?
Yes - there is a family policy option that comprises two parents/adults and includes an unlimited number of children on the policy (children must be living at home, and under the age 19) at no additional charge.
We also offer a couples policy discount (includes same-sex couples)
Children can be added to an individual parent's policy at the 0-18 age rate.
Am I covered while travelling outside the geographic area of my policy?
There is no cover under any section of this policy whilst travelling outside the geographical area, except for Item 18 - 24 Hour Emergency European Medical Assistance, where cover extends to the entire European Economic Area if the insured person has selected this optional add-on and has paid the required additional premium.
How can I make a claim?
Please read the Policy Wording or read the claim procedures on our How to Claim page here
Who can I contact if I have a question regarding the policy?
Please either call us on + 44 (0) 203 608 6330, or send us an e mail
What if I have a complaint?
For complaints about the way this policy was sold to you or about how the policy has been administered, please contact:
Status Insurance Management Ltd.
10a High Street
Essex CM12 9BQ
Tel: + 44 (0) 203 608 6330
Fax: + 44 (0) 1277 634046
For all other complaints, including the claims service, please contact:
Astrenska Insurance Limited
PO Box 637
If you cannot settle your complaint directly you may be entitled to refer it to the Financial Ombudsman Service, Exchange Tower, London E14 9SR, United Kingdom.