10.—(1) Where an insured person receives an assignment of insurer notice and, within the time period stipulated in the assignment of insurer notice, gives notice in writing to the Board that he does not wish to be insured under the Scheme, he shall cease to be insured under the Scheme from —
(a)
the date on which the notice is received by the Board; or
(b)
the date indicated by the insured person on the notice as the date from which he wishes to cease to be insured under the Scheme,
whichever is the later.
(2) Where the time period stipulated in the assignment of insurer notice has lapsed, an insured person who gives notice in writing to his assigned insurer that he does not wish to be insured under the Scheme shall cease to be insured under the Scheme from —
(a)
the date on which the notice is received by the assigned insurer; or
(b)
the date indicated by the insured person on the notice as the date from which he wishes to cease to be insured under the Scheme,
whichever is the later.
(3) If an insured person who is insured under the Scheme pursuant to section 42(1) of the Act opts out of the Scheme within 2 months from the date of the commencement of his insurance cover, the assigned insurer shall refund to him the full amount of the premium paid by him.
(4) If an insured person who is insured under the Scheme pursuant to section 42(1) of the Act opts out of the Scheme at any time after the second month of the commencement of such insurance cover, the assigned insurer shall refund to him a proportionate amount of the premium in respect of the unexpired period of his insurance cover under the Scheme.
(5) If an insured person who is insured under the Scheme pursuant to section 42(4) of the Act opts out of the Scheme within 14 days from the date of the commencement of his insurance cover, the appointed insurer with whom he is insured shall refund to him the full amount of the premium paid by him.
(6) If an insured person who is insured under the Scheme pursuant to section 42(4) of the Act opts out of the Scheme at any time after the 14th day of the commencement of such insurance cover, the appointed insurer with whom he is insured shall refund to him a proportionate amount of the premium in respect of the unexpired period of his insurance cover under the Scheme.
(7) Where the Board or an assigned insurer has reason to believe that a member who is covered under the Scheme pursuant to section 42(1) of the Act is unable, by reason that he lacks capacity within the meaning of section 4 of the Mental Capacity Act (Cap. 177A), to make the decision to opt out of his insurance cover for himself —
(a)
a deputy appointed or deemed to be appointed for the member by the court under the Mental Capacity Act with power in relation to the member for the purposes of the Act;
(aa)
a donee under a lasting power of attorney registered under the Mental Capacity Act (Cap. 177A) with power in relation to the member for the purposes of the Act; or
(b)
such other person as the Board or the assigned insurer thinks fit,
may terminate the insurance cover of the member by lodging, with the Board under paragraph (1) or the assigned insurer under paragraph (2), a written notice in such form as the Board or the assigned insurer, as the case may be, thinks fit, and the Board or the assigned insurer, as the case may be, shall refund to the member the full amount of premium paid by him under the Scheme, together with the whole or such part, as the Board may determine, of the interest that would have been payable thereon had the premium not been deducted from his account.
(8) In this regulation and in regulation 11, “assignment of insurer notice” means the notice sent by the Board to the member informing the member that a particular appointed insurer has been assigned to him.