Last updated: August 16th, 2023

Definitions and key terms

To help explain things as clearly as possible in this Return & Refund Policy, every time any of these terms are referenced, are strictly defined as:

1. Refund Policy Overview

Thank you for choosing the Insura app developed by Insura (M) sdn Bhd. This refund policy outlines the terms and conditions governing refunds for our membership programmes available on the iOS and Android platforms. Please read this policy carefully before making a purchase. By purchasing a membership through our app, you agree to abide by this refund policy.

2. Membership Purchase and Benefits

The Insura app offers membership programmes that include valuable benefits, including a Petrol Voucher worth RM 30.00, a Touch ‘n Go E-Wallet Reload Pin worth RM 20.00, and Free Travel Insurance coverage within Malaysia worth RM 100,000.00. As soon as you enroll in our membership program, these fantastic perks will be send to your email. Keep an eye on your inbox – you’ll receive an email with instructions to claim these free gifts within 7 working days. Unfortunately, these rewards may not be returned or exchanged for points, cash, another product.

3. No Refund Policy

Due to the inclusion of the non-transferable and non-modifiable benefits listed above, Insura (M) Sdn Bhd does not provide refunds for any membership purchases made through the Insura app. All membership purchases are final and non-refundable, as the value of the benefits offered is equal to or exceeds the membership fee.

4. Cancellation and Termination

Although we do not offer refunds, you may terminate your membership at any time. You will retain access to the membership benefits until the end of the current billing cycle if you choose to terminate your membership. After the billing cycle ends, you will no longer receive membership benefits, and you will not be charged for subsequent billing cycles. Please be advised that membership cancellation does not entitle you to a refund of any portion of the membership charge.

5. Contact Information

If you have any questions or concerns regarding our refund policy, please contact our customer support team at [email protected]. We are here to assist you and address any queries you may have.

6. Governing Law

Any unresolved dispute, controversy, or claim arising from the Refund Policy between INSURA and the subscribers shall be referred to and finally resolved by arbitration in Malaysia. The arbitrator shall be agreed upon between the Parties, or in the absence of an agreement within fourteen (14) days after either Party has given the other a written request to agree to the appointment of an arbitrator, a person shall be nominated by the Director of the Asian International Arbitration Centre (AIAC) at the request of either Party. The arbitration proceedings shall be conducted in accordance with the provisions of the Arbitration Act 2005 and the arbitration rules of the AIAC. The arbitration award rendered shall be considered final and binding upon the Parties

7. Updates to the Refund Policy

Insura (M) sdn Bhd reserves the right to update or modify this refund policy at its discretion. Any changes to the refund policy will be effective upon posting the revised policy on the Insura app. It is your responsibility to review this policy periodically for any updates or changes.

By using the Insura app and purchasing a membership, you acknowledge that you have read, understood, and agreed to this refund policy.