Refund Policy

This Refund Policy governs the terms of cancellation, refunds, and processing of user requests on the polis.ge website.

The polis.ge website is operated by CAP Group LLC (TIN: 400465304).

1. General Provisions

polis.ge provides access to purchasing insurance policies from partner insurance companies.

Refunds are processed in accordance with:

• insurance company rules;
• policy status;
• policy start date;
• fact of insurance coverage activation.

2. Refund Conditions

A tourist policy can be cancelled before its stated insurance period starts. Polis.ge processes the refund under the contract. Requests concerning duplicate payments, confirmed payment or platform errors, and other contractual grounds are also reviewed.

For GPI Holding tourist insurance, the contract provides for a 1 GEL issuance deduction when refunding to a GEL account. Applicable bank charges are deducted for a foreign bank account. Confirm the amount and calculation when the request is processed. Other products follow their own contracts.

3. Who to contact after cover starts

Once a tourist policy has started, contact the insurer named in the policy directly about cancellation and refunds.

• The insurer determines whether a refund is possible and the amount under your policy terms.
• Use the insurer’s contact details in the policy and have the policy number and an explanation ready.
• For duplicate payments or payment errors on Polis.ge, contact Polis.ge support.

Contacting the insurer does not guarantee refund approval; the insurer makes the decision.

4. Request Review Procedure

To cancel before cover begins, email info@polis.ge in advance with:

• policy number;
• contact details;
• reason for the request;
• payment confirmation (if required).

Do not wait until the insurance period starts. Support is available daily, 10:00–00:00 Georgia time. Keep your request and wait for confirmation of cancellation and the refund amount.

5. Refund Timeframes

If a refund is approved, funds are returned using the same payment method used for the purchase.

Processing time depends on:

• the user's bank;
• the payment system;
• internal procedures of financial institutions.

6. Additional Services and Partner Offers

Additional partner services, including:

• tour offers;
• transfers;
• excursions;
• hotels;
• other third-party services

may be governed by separate refund policies of respective partners.

polis.ge is not responsible for refund terms of third-party services.

7. Limitation of Liability

Cancellation rules depend on the product and contract. The GPI tourist terms described here do not replace the terms of other medical or insurance plans.