You are right of course to say that commercial arbitration is available only if there is a contract between the investor and the host - State. (europeanlawblog.eu)
An insurance policy is a contract with a defined period of time. (effectivecoverage.com)
If there is a contract for $ 50 a month, but I paid $ 30 a month for two years, then you'll have a hard time getting that money. (law.stackexchange.com)