iFinSG | The same protection, done Differently.

Insurance the way you want it

Simple.

Fast.

Cheap.


Receive money even

if you make 0 Claims

Cyclic insurance covers you for practical events, and gives you money at the end of every 3 months cycle!

Make 0 claims, and get a guaranteed PremiumBack of at least 10% of your premiums!

Make Low claims, and get a guaranteed PremiumBack of at least 5% of your premiums!


How It Works

  • Pool Creation

    Premiums are pooled at the start of each cycle.

    10,000 users are covered in a 3 month cycle for Cyclic: Small Accident.


    $6.80 x 3 =

    $20.40 of premiums per user


    $20.40 x 10,000 users =

    $204,000 in the premiums pool

  • Claims

    Claims are made from the pool.

    500 users get into an accident and need to claim an average of $300 each.


    500 x $300 =

    $150,000 is paid out as claims

  • PremiumBack

    Unclaimed premiums in the pool, will be distributed back to users who made 0 claims & users who made low claims, at the end of each cycle.

    9,500 users did not make a claim at all.


    $204,000 - $150,000 =

    $54,000 of unclaimed premiums


    $54,000 ÷ 9,500 users =

    $5.68 of PremiumBack will be given at the end of the 3 months cycle

We only earn a flat and transparent monthly Admin Fee per policy per user, with no hidden charges.


What you can Sign Up for
Cyclic: Small Accident

$ 9.80 per month

Up to $1,500 per accident!
No medical-history-related Loading, Exclusion or Reduction of claims!
Make a 2nd claim from us for the same accident / incident, even after you make a similar claim from a traditional insurer.
Yes we cover all Sports and all Countries!
Cyclic: Small Influenza GP

$ 9.00 per month

Up to $70 for each new Flu diagnosis!
No medical-history-related Loading, Exclusion or Reduction of claims!
Make a 2nd claim from us for the same accident / incident, even after you make a similar claim from a traditional insurer.
Yes we cover all forms of Flu!
Cyclic: Small Accident Income

$ 11.80 per month

Claim $120 for each day that you are unable to work due to an accident!
No medical-history-related Loading, Exclusion or Reduction of claims!
Make a 2nd claim from us for the same accident / incident, even after you make a similar claim from a traditional insurer.
Yes to a claim right after your 2nd day of accident MC!

Why Cyclic insurance

Check out these 8 amazing facts!

Fair

Make a 2nd Claim with us for the same accident / incident!

Simple

Our policy is exactly as described, with no hidden exclusions.

Clear

Every $ of premium we collect is either paid out as a Claim, or returned to users as PremiumBack at the end of each cycle.

Convenient

File a claim just from your phone. Take Photos. Tell us what happened. Call us if you prefer to talk!

Considerate

Never worry about Cash-flows, because some money comes back quickly every 3 months, even when you make 0 claims or low claims.

Honorable

If none of the users of a cover makes a claim, you get back 100% of your premiums at the end of the cycle!

Friendly

Need to stop your cover? Want to re-continue your cover? Just 1 button to do so instantly. No preaching, no nagging, no forms to fill.

Money back Guarantee

Not satisfied? Get a refund equivalent to 100% of the premiums you paid for your 1st cycle.

About www.iFinSG.com
iFinSG is an InsurTech platform which makes insurance simple, and returns to users all unused premiums as PremiumBack.
Copyright © by ICH iFinancial Singapore Private Limited. UEN: 201631146G. 3D Martia Road, Singapore (424786)