Refund Eligibility
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Members may apply for a full refund if they cancel before completing three payments, provided no claims or benefits have been used.
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If a member cancels after completing three payments and no claims have ever been used, an 80% refund may be issued.
(20% will be deducted as administrative and processing charges.) -
If any claim has been made, no refund will be issued.
Approved refunds are processed within 14 business days.
Missed Payments & Suspension
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A 10-day grace period is provided for missed payments.
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If payment is not received within this period, the policy will be temporarily suspended, and claims will not be allowed.
Reinstatement
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A suspended policy may be reinstated only if the outstanding payment is cleared within 3 months from the suspension date.
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A late fee of $10 per missed payment may apply if payment is made after the grace period.
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Claims are not available immediately after reinstatement.
Members must complete two consecutive monthly payments before becoming eligible to make a claim.
Permanent Cancellation
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If payment is not completed within 3 months, the policy will be permanently cancelled.
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After cancellation, the policy cannot be reinstated, and a new plan must be purchased.
Contact Us
Email: helpdesk@carewayusa.com
Phone: +1-888-429-7890