Effective Date and Expiration Date of Insurance

Once the Administrator receives and accepts the Application and premium, the Effective Date of insurance is the latest of these dates:

• departure from the Home Country/Country of Residence
  
  
• the date Application and premium are received
  
  
• the date requested on the Application form
  
  

The Expiration Date of insurance is the earlier of these dates:

• the date of return to the Home Country/Country of Residence
  
  
• 180 days after the Effective Date of insurance
  
  
• the date shown on the insurance coverage documents mailed upon issuance
  
  

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