Refund Policy

At Smirk Health, we want you to know exactly when a refund is available for a plan you buy through us. Medical plans and dental plans follow different refund rules, so each has its own section below. Please read the section for your plan carefully.

Medical Plans

Ten-Day Right to Examine:

Within 10 days of receiving your medical policy, you can return it for any reason and the full premium you paid will be refunded. This refund is unconditional: none of the dental plan conditions below, such as the claims requirement, the administrative-fee deduction or the 30-day window, apply to it. This right is set out in your policy (form AH-60410-TX).

Cancelling After the First 10 Days:

After the first 10 days, you can cancel at any time by contacting us at support@smirkhealth.com. Your coverage continues to the end of the month you have already paid for. Premium for a period in which coverage was in force is not refunded.

Grace Period:

If a premium payment is missed, a 31-day grace period applies.

Your policy documents describe these rights in full. If anything on this page differs from your policy documents, your policy documents control.

Dental Plans

Refund Period:

Refund requests must be submitted within 30 days of the policy's purchase date. After this period, no refunds will be granted.

Unused Coverage:

To be eligible for a refund, no claims must have been filed under the policy during the period of coverage. If any claims have been processed, refunds will not be issued.

Cancellation Terms:

If you cancel your dental insurance policy within the first 30 days and have not used any services, you may qualify for a refund of the premium paid, minus any applicable administrative fees.

Prorated Refunds:

If you cancel the policy after the first 30 days, a pro-rated refund may be available for the unused portion of your coverage, provided that no claims have been filed.
This refund will be calculated based on the remaining days of coverage.

Non-Refundable Fees

Certain fees are non-refundable, including:

Administrative Fees:
Any fees associated with policy issuance, setup, or administrative costs are non-refundable.

Claims-Related Services:
Any services provided in relation to processing, reviewing, or filing claims are non-refundable once initiated.

Digital Services:
Any digital or web-based services (e.g., access to account management platforms) that have been utilized are non-refundable.

How to Request a Refund

To request a refund, please contact our Customer Support team at support@smirkhealth.com or use the contact form on our website.

Please provide the following information:
- Your full name and contact information
- Your policy number and proof of purchase
- The reason for your refund request

Our team will review your request and determine if you are eligible for a refund.

If your refund is approved, we will notify you and process the refund within 10 business days.

Refund Approval and Processing

Review Process:
Once we receive your refund request, we will review your eligibility based on the terms of your policy and whether any claims have been made.

Refund Method:
Refunds will be issued via the original payment method. Processing times may vary depending on your financial institution but are typically completed within 5–10 business days.

Partial Refunds:
For policies canceled mid-term, a pro-rated refund may be issued based on the unused portion of the policy term, as long as no claims have been processed.

Cancellations and Refunds

After Coverage Begins

Once the policy's coverage period has begun, refunds will generally not be issued, except as described under the pro-rated refund conditions.

If your policy has already provided coverage or if you have utilized services under the policy (such as dental treatments or claims submissions), refunds will not be available.

Exceptions and Special Cases

Fraud or Misrepresentation:
Smirk Health reserves the right to deny refunds if we suspect fraud, abuse, or misrepresentation of information provided during the policy purchase or claims process.

Force Majeure:
In circumstances beyond our control (e.g., natural disasters, changes in law, or other significant disruptions), Smirk Health may be unable to issue refunds, and we will not be held responsible for any delays or inability to provide refunds.

Changes to the Refund Policy

Smirk Health reserves the right to modify or update this refund policy at any time.

Any changes will be posted on our website, and we encourage customers to review this policy regularly.

Contact Us

If you have any questions regarding this refund policy or need further assistance, please contact our support team at support@smirkhealth.com.

We are here to help you.