Trying to educate that a policy holder has the right to be late w the annual premium.

 

How much is the late fee? Other details to know.

This is what my April International plan says about late payments:

Quote

WHAT HAPPENS IF THE PREMIUM IS NOT PAID?
If the Premium remains unpaid 60 days after its due date, We will serve the Member with formal notice of suspension of cover. The plan will then be suspended. Following a further period of 10 days, We will terminate the plan as of right. We may also take legal action to secure payment of any unpaid Premiums. Once formal notice has been served for non-payment, the Premium due for the entire year is immediately payable under the French Insurance Code.
Please note that failure to pay the Premium and the termination of the plan do not cancel the debt. We will take appropriate action to obtain payment of the outstanding Premium and will have recourse to a debt recovery firm specialising in international debts. The
Member is liable for any administration charges incurred as a result of any action taken by us or by our service providers.
If the amount stated in the letter of formal notice is paid after suspension of the plan but before termination, the plan will be revived at noon on the day following payment of the Premium.
No expenses incurred during the period of suspension of cover will be reimbursed under the plan, even once the Premium has been paid.

No mention of late fees.

It depends on the policy. This should be spelled out in the policy document.