Can I get a pro-rated refund of the premiums for my original Integrated Shield Plan (IP) if I downgrade or switch from a higher coverage plan to the Standard IP before my premium renewal date?

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Accepted Answer

If the downgrade or switch takes place before your next premium renewal date, your insurer will provide you with a pro-rated refund of your original Integrated Shield Plan premium.

Please speak to your financial advisor to find out more about the implications of downgrading or switching insurers before making your decision. Please also highlight any medical conditions you have to your financial advisor.

Can I get a pro-rated refund of the premiums for my original Integrated Shield Plan (IP) if I downgrade or switch from a higher coverage plan to the Standard IP before my premium renewal date?

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