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Is there a no claims discount?

We don’t offer a no claim discount, which means there’s no discount or refund if you don’t make a claim. Why not? Well, we used to offer a no claim discount, but we found it discouraged members from seeking medical treatment. That’s not healthy at all.

On the flip side, we don’t increase your premium just because you make a claim. Even if we pay your medical bills for a condition that’s extremely expensive to treat (e.g., heart disease, cancer), it won’t affect your premium when your policy is due for renewal.

Things are slightly different if you live in Hong Kong, where we offer a low claims discount.