If I do not use the services of the Health Centre, including my allocation for prescription at the pharmacy, during any year can I carry forward my premiums and benefits to next year?
No. Your premium and attached benefits, consistent with insurance contracts, cover a specified period. In our case this is one (1) year. You are allocated new benefit balances each year upon payment of annual premiums. In some years you may use up benefits which aggregate to less than your premium amount. In other years you may use up much more than the premium amount. That is how insurance works.
