What is Buy Back/Subscribe Back?

A notification to renew your policy/certificate would have been sent to you 30 days prior to expiry. You are able to renew your insurance policy/takaful certificate within those dates, with a grace period of 7 days after expiry.

After the grace period, the opportunity to renew lapses, and you will be required to "Buy Back" or "Subscribe Back" as a new policy/certificate.

"Buy Back" and "Subscribe Back" subscriptions are considered brand new policies/certificates.

• You will not enjoy any No-Claim Discount previously earned.
• A 30-day waiting period will apply before you can make any new claims.
• All previous illnesses and conditions claimed will become pre-existing conditions, which could potentially affect your future ability to claim for issues arising from those illnesses.

Policy/certificate terms and conditions apply.