Your fee is due for the previous months use, it’s not paid in advance. If you’ve recently turned off your insurance benefits your monthly account fee may still be due.
For example, the monthly account fee for is taken in the last few working days of the month. If you submit a request to turn off your insurance benefits on the 31 March then the insurance benefits will be turned off in early April. The monthly account fee will be taken at the end of April for the insurance cover that you had in March.