Cancellation and Refund Policy
 
 Foreign Worker Insurance Guarantee (IG) 
 

Foreign Worker Insurance Guarantee (IG) are Not refundable. No Refund

Foreign Worker Hospitalization and Surgical Scheme (FWHS/SKHPPA/SPIKPA) 
 
 Foreign Worker Hospitalization and Surgical Scheme (FWHS/SKHPPA/SPIKPA), this policy may be cancelled by the Policyholder at any time by giving written notice to the insurance company; and provided that no claims have been made during the current policy year, the Policyholder shall be entitle to a refund of the premium as follow:-

Period Not Exceeding                                                     Refund of Annual Premium

15 days                                                                                                 90%

1 month                                                                                               80%

2 months                                                                                             70%

3 months                                                                                             60%

4 months                                                                                             50%

5 months                                                                                             40%

6 months                                                                                             30%

7 months                                                                                             25%

8 months                                                                                             20%

9 months                                                                                             15%

10 months                                                                                          10%

11 months                                                                                          5%

Period exceeding                                                                             11 months No Refund
 
 Defination:

POLICYHOLDER shall mean a person or a corporate entity who has applied for this insurance from the insurance company and who is an employer or bona fide foreign worker.
 
 Note: Any approved cancellation and the refund of premium shall be refund to the POLICYHOLDER only.

Please refer to the policy contract for the full details of benefits, terms and exclusions that are applicable. The information provided here is a brief summary for quick and easy reference. The exact terms and conditions that apply are stated in the policy contract. The information can be read from https://www.chubb.com/my-en/ or https://www.lonpac.com/

Domestic Help Insurance (DHIS)

Domestic Help Insurance (DHIS) , this policy may at any time cancel the Policy by giving seven (7) days notice in writing to POLICYHOLDER last known address.

The Policyholder shall be entitle to a refund of the premium as follow:-

1. Any cancellation of Policy within six (6) months from the commencement, the refund premium is only 50% of the premium subject to a minimum premium of RM35.00
2. No refund premium shall be payable for any cancellation of Policy after six (6) months from the commencement.
3. No Refund premium is allowed if there is a claim under this policy.

Defination:

POLICYHOLDER shall mean a person or a corporate entity who has applied for this insurance from the insurance company and who is an employer or bona fide maid.
 
 Note: Any approved cancellation and the refund of premium shall be refund to the POLICYHOLDER only.

Please refer to the policy contract for the full details of benefits, terms and exclusions that are applicable. The information provided here is a brief summary for quick and easy reference. The exact terms and conditions that apply are stated in the policy contract. The information can be read from https://www.chubb.com/my-en/