Laya do Laya pay out-patient claims if you don't renew?

[anotherdub]

I submitted receipts for out-patient expenses to Laya in October, and they returned them with a letter stating:

Thank you for your out-patient claim.

Please find enclosed all receipts which relate to your next renewal. Out-patient claims should only be submitted once yearly following your renewal date.

Does this mean that if I switch provider they will not pay? If so, is this unique to Laya? I've never seen this with VHI.

Any experiences with claiming after switching would be appreciated.

 

[Berni]

When was your renewal due?
Most providers request you claim once per year, at the end of the cover year.