Online Payment System Terms and Conditions
Our online secure payment system has been developed to facilitate the secure online processing of credit and debit card information for clients wishing to pay premium or update their credit/debit card information. The payments are processed through Worldpay using secure authentication technology. Further details about Worldpay can be found on www.worldpay.com. These terms should be read in conjunction with the website terms, Data Protection and Privacy Statement, the Important Information section of the site and your policy terms and conditions.
‘Aetna International’ means any company or branch which is part of the Aetna International Inc. group of entities, further details of which are set out below under the heading ‘About Aetna’.
‘Site’ means igpayonline.com, a website owned and operated by Aetna Insurance Company Limited.
‘we’, ‘us’ and ‘our’ means Aetna Insurance Company Limited (AICL) and Aetna Global Benefits (UK) Limited (AGBUK)
‘you’, ‘your’ and ‘yours‘ means you, the person(s) accessing the secure site.
Aetna International Inc. is a wholly owned subsidiary of Aetna Inc. and is the parent of a group of entities in various locations worldwide.
The online secure payment system is intended for existing clients of Aetna Insurance Company Limited and Aetna Global Benefits (UK) Limited (Aetna)who wish to renew their policies, update their details and for those who have obtained a quote from us and wish to proceed to purchase an insurance plan. Users can:
- Make a payment and authorise on-going payments
- Make a one-off payment
- Update their details
How we will process your request
If you wish to make a payment and authorise on-going payments, we will deduct the premium due on your plan and any future instalments in accordance with your plan payment frequency. If you have chosen to pay your premium in full, on an annual basis, the next payment will be taken from your card upon the next renewal of your plan in accordance with the terms of your plan. Please refer to your plan guide, other policy documentation and the ‘Important Information’ section for more information.
If you wish to make a one-off payment only, we will only take one payment using the details you have provided. We will not store your credit/debit card details. You will have to provide your payment details each time you wish to make future payments on-line.
You will be required to enter your CVV (card security code) if you are making a payment on the site. These details will be transmitted securely to Worldpay and will not be seen by any of our staff.
If you wish to only update your card details, we will not request your CVV number. However, we will hold your card details for the purpose of processing and verifying future payments. We may contact you nearer the time of future payments to obtain further details from you. If you have agreed a payment plan with us your card will be used to process future payments and other charges at renewal and as and when your premium falls due.
By continuing to use the site, you agree that your details will be processed in this way.
We will communicate with you in writing and if you have provided us with your email address, by email. We will record our communications with you, including transactions we have carried out for you, and information and documentation that we receive from you. We will retain information on our files for a period of not less than six years. Our records, unless shown to be wrong, will be evidence of your dealings with us.
Aetna Insurance Company Limited provides a 30-day Money Back Guarantee that allows Individual planholders to cancel their plan within 30 days of the date of joining or receipt of policy documentation whichever is the later, without penalty. If you cancel within this time, your premium will be refunded in full provided you have not already made a claim under the plan. If a claim has been made then no refund will be due and the premium will be payable in full. If any premiums due have not been paid, a charge may be made for the time on cover prior to the insurer receiving your notification of cancellation. After the 30 day period, your cancellation will be subject to the terms and conditions of the “Cancellation of Cover” section in your Plan Guide.
Different terms apply to Group plans. If you are making a payment on the secure online payment system in connection with a Group plan, please refer to the terms of your Group plan for the specific terms that apply to them.
We hope you will be satisfied with our service. However, if you have any complaints about your plan or another service issue, please click here to view details of our Complaints procedures.
If you remain dissatisfied following receipt of our final response to your complaint, you may be entitled to refer it the UK Financial Ombudsman Service if you fall within certain criteria. Further information on the FOS can be found on: www.financial-ombudsman.org.uk.
The Financial Services Compensation Scheme (FSCS)
We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. Details of your entitlements can be found in the website terms and conditions.
The law applicable to your plan will be shown within your Plan documentation. These Terms are governed and shall be construed in accordance with English Law.