Reinstatement FAQ's

Modified on Mon, 13 Jun 2022 at 03:37 AM



This answers some Frequently Asked Questions to the Reinstatement of policies in instances where a Sirago policy has been terminated and the policy holder requests a reinstatement of a cancelled policy within a specific time frame. 


Can a cancelled policy be reinstated?

Yes. If the policy owner requests a reinstatement of a cancelled policy, this will only be considered at the Insurer’s discretion and requires a signed health declaration document in support of the request. 


When will considerations for a reinstatement be given?

Considerations for reinstatement will be limited to a maximum of 90 (ninety) days after the cancelation date of the policy. 


If the reinstatement is successful, from when will the policy be reinstated?

The policy will be reinstated from the 1st of the following month that the policy was terminated.

Can a policy be reinstated outside of the 90 day period?

Any requests that exceed the 90 (ninety) day period are subject to a new application and all relevant terms and conditions will apply.


What are the supporting documents needed to reinstate a policy?

  1. Fully completed Health Declaration including confirmation of the debit order banking details;
    1. Completed Debit Order Authority & Consent (this can be found on the Health Declaration);
    2. Proof of payment of the arrear premiums

Where must reinstatement requests be sent?

All reinstatement requests can be sent Where applicable, the fully completed Health Declaration must be accompanied by the proof of payment of the arrear premiums. The proof of payment will be referred to the Finance Department for allocation.


If a policy is reinstated will underwriting apply?

Sirago reserves the right to fully impose underwriting on pre-existing conditions for a maximum of 10 (ten) months and all cancer related conditions and treatment may be excluded for a maximum of 12 (twelve) months from reinstatement, where there has been a change in the policy holder or dependants state of health or in the event that there has been any illness been suffered by the policy holder, or any of their dependants, from the date of the application and the signing of the Health Declaration.


What will happen to the claims, should the premiums not be paid at reinstatement?

The policy holder and dependants will not have any cover unless all premiums are paid up to date. Any revocation of premium debit authority will result in the immediate cancellation of the policy unless an upfront payment of premiums is done as of this point.

It remains the sole responsibility of the policyholder to ensure that full premiums are paid on the due date.


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