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If you are 100% responsible for the servicing of the loan and you are only covered for 50% HPS share of cover, in the event of a claim, we will only pay 50% of your outstanding housing loan up to the insured sum. Your co-owner will need to continue to service the remaining housing loan.
Both you and your co-owner may choose to be covered for 100% HPS share of cover each. In the event of a claim, we will settle 100% of your outstanding housing loan up to the insured sum. We will then end your co-owner's HPS cover and refund the unused premium to his Ordinary Account.