We Kongsi Refund Policy

Disqualification

Disqualification from the Program means that the Member’s status changes to terminated, and they are no longer eligible to receive further benefits or participate in the Program.

1. Failure to make payment - Membership fees and dues of the program are the responsibility of each Member and must be fulfilled as agreed upon. Failure to do so will result in the disqualification of the Member.
2. Recurring Membership - In order to remain in active standing, Members must continue to meet the eligibility requirement outlined in Section 2.C of the Program Guidelines. Members whose status have evolved to impact their eligibility requirement may be disqualified from the Program.
3. Dishonest conduct - We Kongsi is led by integrity and we expect our Members to live by this very principle. Honesty is especially important when submitting medical expenses for sharing. Any Member found to be deceptive may be disqualified from the Program.
4. Fraudulent conduct - We Kongsi is led by integrity and we expect our Members to live this very principle. Members who abuse the system through fraudulent actions and use may be disqualified from the Program.
5. Pre-Existing Condition - Transparency is of utmost importance in a medical cost-sharing community such as ours. As such, when requested, Members must furnish the Administrator with complete and accurate information pertinent to their medical history. If a Member fails or refuses to disclose a Pre-Existing Condition, they may be disqualified from the Program.
6. Voiding the Program - The Administrator has every right to terminate a Member’s participation if the Member fails to fulfill their duties outlined in Section 2.F of the Program Guidelines under ‘Member Requirements & Obligations’ or the Member has violated any of the Program rules and regulations.

It is imperative for Members to understand and follow the Program Guidelines to avoid being disqualified. Disqualification may result in the Member no longer being able to receive medical expense sharing from other Members. However, the remaining balance in their Sharing Account will be refunded to the Member within 60 days from the date of termination.

Reinstatement

If a former Member wishes to be reinstated into the Program after being disqualified, the following steps are required:

1. Health Screening - The former Member must submit their latest health report and complete a health screening questionnaire.
2. Reason of Disqualification - The former Member must provide a detailed explanation for their previous disqualification.
3. Waiting Period - If the Administrator approves the reinstatement, the former Member may be required to go through a Waiting Period again before being reinstated as a Member or be reinstated instantly, subject to the Administrator’s discretion.
4. Outstanding Dues - The former Member must clear any outstanding payment and/or reinstatement fee that may apply.

NOTE : The decision to reinstate a former Member is entirely at the discretion of the Program Administrator.

Refund Process

In the event that a Member chooses to withdraw from the Program or is terminated for any reason, the Administrator will process a refund of the remaining unutilized balance in their Sharing Account. The refund will be transferred to the Member’s eMandate bank account, which may take up to 60 days to process.

NOTE: The Program’s initial membership fee is non-refundable for any reason, except in cases where system issues may have resulted in overcharges or miscalculations. We Kongsi pride ourselves in offering a refund policy that is fair and transparent. However should there be any discrepancies, Members are advised to contact us to resolve the matter.