Aviva Health no longer allow mid-term cancellations without penalty

From 1 August 2012 Aviva Health no longer allow mid-term cancellations without penalty. Where a policyholder cancels their policy prior to the end of the policy year, or does not pay their premium in accordance with the terms of the policy for the full duration of the policy year, Aviva Health will charge a mid-term cancellation fee. The mid-term cancellation charge will consist of the health insurance levy calculated on a pro-rata basis for each adult, student and child on the policy for the remainder of the policy term, together with an administration fee of €25 per policy.

http://www.hia.ie/latest-news/latest-news/aviva-rules-and-benefits-changes-01.08.2012/

It also looks like a lot of the other providers are moving to this mode too so if you're considering moving mid term check to see that you wont be penalised. I was luck enough to have switched from Aviva to Glohealth in mid July.