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Your refund amount will be calculated based on your policy.
For Travel policies:
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, Commercial Car and Motorcycle policies:
If you cancel your policy while it is active, you will be refunded 80% of your pro-rated premium (inclusive of GST) for the unexpired period. However, you will not receive a refund if the amount is less than S$26.75 (inclusive of GST), or if a claim was made during the period of insurance.
If you cancel your policy before the coverage start date, you will be refunded 100% of your premium minus an administration fee of S$53.50 (inclusive of GST).
For Maid policies:
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 policies:
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 policies:
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 policies:
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 policies:
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.