Last updated: 22 September 2026
Scope of the Policy and the Products or Services It Covers
This Payment and Refund Policy applies to all insurance health products and related services offered through buzzdashup.org for customers in Singapore. It covers health insurance plans, including individual and family coverage for medical expenses, hospitalisation benefits, and outpatient treatments. The policy governs payments made for premiums, policy renewals, add-on riders, and any associated administrative fees. It does not extend to third-party insurance providers or services outside the scope of health insurance contracts issued or administered by buzzdashup.org.
Prices, Currencies, Taxes, and Any Additional Charges
All prices are quoted in Singapore Dollars (SGD) and include applicable Goods and Services Tax (GST) at the prevailing rate. Premium amounts are determined based on the selected coverage level, age, health profile, and policy term. Additional charges may apply for policy upgrades, late payment fees, or reinstatement after lapse. Customers are informed of the total amount payable, including taxes, before completing any transaction. Currency conversion fees are not charged by buzzdashup.org but may be applied by the customer's payment provider if using an international card.
Accepted Payment Methods, Payment Authorisation, and Payment Security
Payments are accepted via major credit and debit cards, bank transfers, and authorised digital wallets. Each transaction requires explicit authorisation from the card issuer or bank. buzzdashup.org employs secure payment gateways compliant with Singapore's data protection standards to encrypt all financial information. Authorisation holds may appear on statements during processing. No payment details are stored on company servers beyond what is necessary for recurring premium collections under active policies.
Order, Booking, or Service Confirmation and When a Contract Is Formed
A contract for health insurance is formed upon successful payment of the initial premium and issuance of the policy document. Confirmation is sent electronically, detailing the coverage start date, premium amount, and terms. The customer receives a policy number and digital access to documents. Until payment clears and confirmation is issued, no binding contract exists. For renewals, the contract continues upon timely premium payment unless notice of non-renewal is given.
Cancellation Rights and Applicable Cancellation Periods
Customers in Singapore may cancel a new health insurance policy within 14 days of receiving the policy documents, known as the free-look period, provided no claims have been made. Cancellations after this period are subject to the specific policy terms, which may include short-rate premiums or surrender charges. Group policies or those with promotional pricing may have different cancellation windows outlined in the policy wording.
Refund Eligibility, Exclusions, and Non-Refundable Items or Services
Refunds are available for cancellations during the free-look period or if buzzdashup.org is unable to provide the agreed coverage due to underwriting issues. Premiums paid for periods already covered are non-refundable. Exclusions include refunds for policies where claims have been paid, administrative fees already incurred, or policies terminated for fraud. Promotional discounts or bundled services may not be eligible for partial refunds.
The Step-by-Step Procedure and Information Required to Request a Refund
To request a refund, submit a written request via the contact form on the Contacts page or email [email protected]. Include the policy number, full name, contact details, reason for cancellation, and bank account information for the refund transfer. Supporting documents such as proof of payment may be requested. Requests must be made within the eligible period to qualify.
Inspection, Approval, Rejection, and Notification of the Refund Decision
Upon receipt, buzzdashup.org reviews the request within 10 business days. Approval depends on verification of eligibility and absence of claims. If rejected, the customer receives a written explanation citing the specific policy clause. Approved requests proceed to processing; rejected ones may be appealed by providing additional information.
Refund Method, Processing Time, and When Funds Should Reach the Customer
Approved refunds are issued to the original payment method or via bank transfer in SGD. Processing takes up to 30 business days after approval, though credit card refunds may appear sooner depending on the issuer. Customers are notified by email once the refund is initiated, with an expected arrival date.
Special Rules for Digital Content, Subscriptions, Services, or Promotional Offers Where Relevant
Health insurance policies are ongoing service contracts. Digital policy documents and online portals are provided as part of the service and are not separately refundable. Subscription-style premium payments continue until cancellation. Promotional offers, such as waived fees for the first year, do not extend refund rights beyond standard terms and may require full repayment of any discount if cancelled early.
Failed Payments, Duplicate Charges, Chargebacks, and Suspected Fraud
Failed payments result in policy lapse after grace periods specified in the contract. Duplicate charges are investigated and refunded promptly upon verification. Chargebacks are treated as cancellations and may affect future coverage eligibility. Suspected fraudulent activity leads to immediate account suspension and reporting to Singapore authorities, with no refunds issued until resolved.
Mandatory Consumer Rights in Singapore That the Policy Cannot Exclude
This policy respects rights under the Consumer Protection (Fair Trading) Act and the Insurance Act of Singapore. Nothing in this document excludes liability for misrepresentation or limits statutory cooling-off periods. Customers retain rights to complain to the Financial Industry Disputes Resolution Centre if unsatisfied with outcomes.
Contact Route, Policy Changes, and Last-Updated Date
For questions, contact buzzdashup.org using the form on the Contacts page or reach [email protected] and +65 6788 1777. This policy may be updated to reflect legal changes, with notices posted on the website. The current version is dated 22 September 2026. Continued use of services after updates constitutes acceptance of the revised terms.