What is Buy Back/Subscribe Back?

A notification to renew your policy would have been sent to you 30 days prior to expiry. You are able to renew your insurance policy within those dates, with a grace period of 7 days after expiry.

After the grace period, the opportunity to renew lapses, and you will be required to "Buy Back" or "Subscribe Back" as a new policy.

"Buy Back" and "Subscribe Back" subscriptions are considered brand new policies/certificates.

• You will not enjoy any No-Claim Discount previously earned.
• A 30-day waiting period will apply before you can make any new claims.
• All previous illnesses and conditions claimed will become pre-existing conditions, which could potentially affect your future ability to claim for issues arising from those illnesses.

policy terms and conditions apply.

If you currently hold an active Oyen Takaful Kucing certificate, the information specific to your plan still applies until your certificate's end date. Read the full update on Oyen Takaful Kucing's discontinuation.