Refund Policy
Effective Date: May 27, 2025

At Crystel Insurance, we strive to maintain clear and fair refund practices for our services and insurance-related payments.

1. Premium Payments
   Premium payments made through Crystel Insurance are sent directly to the respective insurance carriers. Refunds for premiums are subject to the refund and cancellation policies of those carriers. Crystel Insurance does not process or issue refunds on behalf of insurance carriers.
2. Service Fees
   Service fees (such as administrative, consultation, or processing fees) may be refundable if:

• The request is made within 7 calendar days of payment
• The related service has not been provided or was only partially delivered

Non-refundable cases include:

• Services already rendered
• Customized policy work already completed
• Policy submission and processing fees

3. Refund Processing
   Approved refunds will be processed within 10–15 business days from the date of approval. Refunds will be issued to the original payment method unless otherwise arranged.
4. Cancellation-Related Refunds
   If your policy is canceled and the insurance carrier authorizes a prorated refund, the refund will be issued according to the carrier’s schedule and method. Crystel Insurance is not responsible for any delays or denials related to those refunds.
5. Requesting a Refund
   To request a refund, please contact our customer support with the following information:

• Full name
• Contact details
• Date of payment
• Transaction or policy number
• Reason for refund request

Email: info@crystelinsurance.com
Phone:

6. Policy Updates
   This Refund Policy may be updated at any time. All changes will be posted on this page with the updated effective date.