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Your refund amount will be calculated based on your policy.
For Travel insurance:
Before the coverage start date: If you cancel your Travel Single trip policy or Travel Annual trip policy before the coverage start date, you will be refunded 100% of your premium.
Cancelling a Travel Single trip policy: Unfortunately, if you cancel your Travel Single trip policy after coverage has started, you will not be refunded.
Cancelling a Travel Annual trip policy: If you cancel your Travel Annual trip policy while it is active, you will receive the following refund:
| Complete months remaining on Your Policy | Refund of premium payable (excluding GST) |
| 11 | 75% |
| 10 | 65% |
| 9 | 55% |
| 8 | 45% |
| 7 | 35% |
| 6 | 30% |
| 5 | 25% |
| 4 | 20% |
| 3 | 15% |
| 2 | 10% |
| 1 | 5% |
| 0 | 0% |
However, you will not receive a refund if the amount is less than S$25, or if a claim has been made during the period of insurance.
For Car and Commercial Car insurance:
If you cancel your policy after its coverage start date, we will refund 80% of the pro-rated premium (including GST) for the unexpired period if no benefits are payable under your policy, and the refund amount is S$25 + GST or more.
If you cancel your policy before its coverage start date, we will refund you 100% of the premium less S$50 + GST being the administrative charge.
For Motorcycle insurance:
If you cancel your policy after its coverage start date, we will refund 80% of the pro-rated premium (including GST) for the unexpired period if no benefits are payable under your policy, and the refund amount is S$25 + GST or more.
If you cancel your policy before its coverage start date, we will refund you 100% of the premium less S$25 + GST being the administrative charge.
For Maid insurance:
If you cancel your policy within 3 months from the coverage start date, you will be refunded 100% of your premium. However, you will not receive a refund if the amount is less than S$25, or if there are any benefits payable under your policy.
If you cancel your policy after 3 months from the coverage start date, you will receive the following refund:
- For a 14-month policy: 4-6 months: 40%, More than 6 months: 0%.
- For a 26-month policy: 4-6 months: 70%, 7-12 months: 20%, More than 12 months: 0%.
For Personal Accident insurance:
If you cancel your policy while it is active, you will receive the following refund:
| Complete months remaining on Your Policy | Refund of premium payable (excluding GST) |
| 11 | 75% |
| 10 | 65% |
| 9 | 55% |
| 8 | 45% |
| 7 | 35% |
| 6 | 30% |
| 5 | 25% |
| 4 | 20% |
| 3 | 15% |
| 2 | 10% |
| 1 | 5% |
| 0 | 0% |
If you cancel your policy within the free-look period (14 days from the date of policy issuance), you will be refunded 100% of your premium.
However, you will not receive a refund if the amount is less than S$25, or if a claim has been made during the period of insurance.
For Home insurance:
If you cancel your policy while it is active, you will be refunded 95% of your pro-rated premium (excluding any GST) for the unexpired period. However, you will not receive a refund if the amount is less than S$25, or if a claim was made during the period of insurance.
For Term Life Plus, Big 3 Critical Illness, Cancer, Heart Attack and Stroke insurance:
Unfortunately, you will not be refunded if you choose to cancel your policy. However, you’ll continue to enjoy coverage for the rest of the period you’ve paid your premium for.
For International Health insurance:
If you pay your premiums monthly, you will not be refunded if you cancel your policy.
If you pay your premiums yearly, you’ll be refunded a pro-rated premium minus an administration fee. However, you will not receive a refund if a claim was made during the period of insurance.