ibenefit

I think contractual point of view , its extremely hard to understand why they would bridge it . An extract from the policy wording and conditions. === ibenefit You will be paid some of your premium back if you have not claimed. • If you do not claim for 36 (thirty six) consecutive months from the date of inception, we will pay you back 10% of the premium you paid for those 36 (thirty six) months. • If you do not claim for the next 12 (twelve) consecutive months, following the initial 36 (thirty six) months of no claims, we will pay you back 15% of the premiums you paid for those 12 (twelve) months. • For each consecutive 12 (twelve) month period thereafter that you do not claim, we will pay you 20% of the premiums you paid in that 12 (twelve) month period. Your ibenefit reward will be processed within 45 (forty five) days of the due date. === It is beyond 45 days . I wonder if they honour the claim if I was late on a premium beyond grace.