§ 15 — Refund of premium

15.—(1) Where the whole or any part of the premium paid by or on behalf of an insured person is liable to be refunded under this Act, the amount may be refunded —(a)

to the insured person in such manner as the Board may determine, including by paying into the insured person’s account in the Central Provident Fund; or

(b)

to such other person in such manner as the Board may determine, including by paying into such other person’s account in the Central Provident Fund.

(2) The Board is entitled to recover on behalf of the Government from any amount which is liable to be refunded under this Act to a person in subsection (1)(a) or (b) —(a)

any Government grant for the payment of the person’s premium; and

(b)

any interest which the person is liable to pay the Government under the terms of the Government grant.

(3) Where a person who has paid in cash any sum towards the person’s premium for any insurance period (called in this section a relevant person), whether for the relevant person or for any other person, dies before the start of that insurance period, and the sum does not exceed such amount as the Minister may, by notification in the Gazette, specify —(a)

the Board may pay to a proper claimant the whole or any part of the sum, as the Board may determine; and

(b)

the receipt by the proper claimant is a proper discharge of the Board’s duties for the payment to the proper claimant under paragraph (a).

(4) Subsection (3) does not affect any recourse which any person may have against a proper claimant for an amount paid to the proper claimant under subsection (3)(a).

(5) In this section —“child” means a legitimate child and includes any child adopted by virtue of an order of court under any written law for the time being in force in Singapore, Malaysia or Brunei Darussalam;

“parent”, in relation to a relevant person, includes —(a)

an adoptive parent of the relevant person;

(b)

a step-parent of the relevant person; or

(c)

a guardian, or any person who has the actual custody, of the relevant person;

“proper claimant” means a person who —(a)

claims to be entitled to a sum mentioned in subsection (3) on the death of a relevant person, as personal representative of the relevant person; or

(b)

claims to be entitled (whether for the person’s own benefit or not) to a sum mentioned in subsection (3) on the death of a relevant person, being the widower, widow, child, grandchild, parent, brother, sister, nephew, niece, grandparent, uncle or aunt of the deceased relevant person.

—(1) Where the whole or any part of the premium paid by or on behalf of an insured person is liable to be refunded under this Act, the amount may be refunded —(a)

to the insured person in such manner as the Board may determine, including by paying into the insured person’s account in the Central Provident Fund; or

(b)

to such other person in such manner as the Board may determine, including by paying into such other person’s account in the Central Provident Fund.

(2) The Board is entitled to recover on behalf of the Government from any amount which is liable to be refunded under this Act to a person in subsection (1)(a) or (b) —(a)

any Government grant for the payment of the person’s premium; and

(b)

any interest which the person is liable to pay the Government under the terms of the Government grant.

(3) Where a person who has paid in cash any sum towards the person’s premium for any insurance period (called in this section a relevant person), whether for the relevant person or for any other person, dies before the start of that insurance period, and the sum does not exceed such amount as the Minister may, by notification in the Gazette, specify —(a)

the Board may pay to a proper claimant the whole or any part of the sum, as the Board may determine; and

(b)

the receipt by the proper claimant is a proper discharge of the Board’s duties for the payment to the proper claimant under paragraph (a).

(4) Subsection (3) does not affect any recourse which any person may have against a proper claimant for an amount paid to the proper claimant under subsection (3)(a).

(5) In this section —“child” means a legitimate child and includes any child adopted by virtue of an order of court under any written law for the time being in force in Singapore, Malaysia or Brunei Darussalam;

“parent”, in relation to a relevant person, includes —(a)

an adoptive parent of the relevant person;

(b)

a step-parent of the relevant person; or

(c)

a guardian, or any person who has the actual custody, of the relevant person;

“proper claimant” means a person who —(a)

claims to be entitled to a sum mentioned in subsection (3) on the death of a relevant person, as personal representative of the relevant person; or

(b)

claims to be entitled (whether for the person’s own benefit or not) to a sum mentioned in subsection (3) on the death of a relevant person, being the widower, widow, child, grandchild, parent, brother, sister, nephew, niece, grandparent, uncle or aunt of the deceased relevant person.