At Bupa, we understand that circumstances change, and policyholders may need to terminate their plan mid-term. We have outlined our termination rules and special cases to provide clarity and transparency for our valued customers.
Termination Rules:
1. Cancellation within 30 days of cover commencement
- No claims filed: Full reimbursement of premiums for that membership year, whether cancelling the entire plan or just for a dependent.
- If a claim has been filed: Considered as acceptance of membership, and the cancellation request will be handled under the “after 30 days” rules.
2. Cancellation after 30 days of cover commencement
- No claims submitted: Plan will be cancelled within 14 days of receiving the cancellation notice, and any premiums paid beyond 14 days from the notice date will be refunded.
- If a claim has been submitted: Policyholder is unable to cancel their plan for the current membership year, and dependants who have filed claims cannot be cancelled mid-term.
Special Cases:
- Death of a Member: Cover is retroactively applied to the date of death, and any premiums paid after the date of death will be refunded if no claims were made during that year.
- Bupa-Initiated Termination: Bupa may decide not to renew the plan, with a minimum of 3 months’ notice prior to renewal, and may propose an alternative plan with the current insurer.
Refund Method:
- Refunds will be processed using the same method and currency as the premium payments, and any outstanding premiums may be subtracted from the refund.
Reference Table
Here are the terms of termination listed in a table format for ease of reference.
| Scenario | Conditions | Outcome | Refund Eligibility |
| Cancellation within first 30 days (No claims) | No claims made by main member or dependants | Plan/dep. cover cancelled immediately | Full premium refund for that membership year |
| Cancellation within first 30 days (Claim made) | Any claim made (main member or dependant) | Cancellation treated as 'after 30 days' case | No refund |
| After 30 days – No claims (main member & all dependants) | Cancellation requested mid-term | Cancelled within 14 days of notice | Refund of premiums paid beyond 14 days from notice date |
| After 30 days – Claim made (main member) | Main member made a claim anytime in membership year | Cannot cancel mid-term | Must continue paying premiums until renewal |
| After 30 days – Claim made (dependant) | Dependant made a claim anytime in membership year | Cannot cancel dependant’s cover mid-term | Premiums must continue for that dependant |
| After 30 days – Dependants (no claims) | Other dependants did not claim | Cancelled within 14 days of notice | Refund of premiums paid beyond 14 days from notice date |
| Death of a member | Main member or dependant dies | Cover backdated to date of death | Refund of premiums paid after date of death (if no claims) |
| Bupa-initiated termination | Bupa decides not to renew | Notice given at least 3 months before renewal | Alternative plan may be offered |
We hope that these guidelines provide clarity on the termination process. If you have any further questions or require assistance, please do not hesitate to contact our customer support team (hello@asktic.com)
⚠️ DISCLAIMER. This information is provided exclusively for Bupa Global members under the care of The Insurance Concierge. It has been prepared by The Insurance Concierge, a licensed insurance agency based in Singapore, and is not issued by Bupa Global or any insurer. The content is for reference purposes only to help members understand the terms of cover. It does not replace or override the official policy wording, which remains the legally binding document of reference.