Query on ElderShield premium

I received a renewal notice from my insurance company for payment of premium for the ElderShield Basic 300 plan for the year 2015, covering the period of insurance from Sept 30 this year to Sept 29 next year.

The enclosed schedule, enfaced with the terms and conditions, read: "Premium payment term: To be paid until 65th last birthday."

I celebrated my 65th birthday in November last year and the premium paid for the year 2014 covered the insured period until Sept 29 this year, 10 months beyond my birthday.

Why do I need to pay the premium for the ElderShield Basic 300 plan for the year 2015 when my 65th birthday was in November last year?

Chin Kee Thou