TomorrowMakers ™

(Please click on alphabets above to access specific pages)


In Motor Insurance and Health Insurance, this is the amount spent by a policy holder that will be refunded or repaid to them at a later point by their insurer, based on the terms and conditions of the insurance policy.

Renewal Premium

The premiums that are paid after the first time, in order to keep the policy in force. These premiums can be revised based on health check-ups or other factors, depending on the individual policy and the insurer.


Renewal of a lapsed insurance policy, after the grace period is over. This can be done, once the premium and the late fee (accrued amount) has been paid by the insured.


The uncertainty of the future, which is borne by the Insurer, via a policy agreement. Premium is the price that insurers charge for undertaking the risk amount.

Health Insurance Riders


We would love to hear from you!

Question, comment or concern? Our contact form is the best way to get in touch. We will respond to you within 5 working days.