AnkyroTerms
Terms.
Last updated 23 October 2026.
These terms apply when you use Ankyro: this website, the chat, your dashboard and Ankyro on WhatsApp. Ankyro is based in Singapore. By using it, you agree to these terms.
What Ankyro is
Ankyro helps you find, compare and apply for health insurance, and helps you with claims, questions and renewals after you buy. Ankyro is not an insurer. Policies are issued by insurers. Every application is checked and filed by a licensed insurance broker, who is responsible for the advice. We tell you which broker before you apply.
Who can use it
You must be 18 or older. You can apply for yourself and for people you are allowed to act for, such as your partner or your children.
Your answers
Insurers rely on what you tell them. Answer health questions fully and honestly, and tell us if something changes before your cover starts. A missing or wrong answer can lead an insurer to refuse a claim or cancel your policy.
The AI can make mistakes
Ankyro uses AI to read policies and compare plans. We check its work, and a broker checks every application, but summaries can still be wrong or out of date. Your policy documents always win. Read them before you buy.
Prices and cover
Prices and cover are set by the insurer. Examples on this site are for illustration only. The final price and terms are the ones in your policy documents.
Claims
When you send us a claim, we prepare it and send it to your insurer. The insurer decides whether to pay and how much. We can’t promise a claim will be paid, or when.
Cost
Ankyro is free for you. When you buy, the insurer or the broker pays Ankyro a fee. You pay the insurer’s normal price. The fee never changes how we rank plans. See pricing.
Using Ankyro fairly
Don’t use Ankyro to apply with false details, for someone without their permission, or to harm the service. We can close your account if you do.
Our liability
Ankyro is free, so our total liability to you is limited to S$100, except where the law doesn’t allow a limit, for example for fraud or for harm caused by our negligence. We are not responsible for decisions made by insurers or for the content of their policies.
Complaints
Write to hello@ankyro.com. We reply within 7 days and aim to fix it within 30. A complaint about advice goes to the broker, and a complaint about a policy or a claim goes to the insurer. We help you send both. In Singapore, you can also take an unresolved insurance dispute to the Financial Industry Disputes Resolution Centre (FIDReC).
Changes
We may update these terms. If a change matters, we’ll tell you by email before it takes effect.
Law
These terms are governed by the law of Singapore, and the courts of Singapore decide disputes. If you live in a country whose consumer law gives you more protection, you keep it.