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Tobacco products, medicines and infant formula products, gAA tickets. Programme Partners will take different periods to notify us of Points to be credited. We will only refund premiums as long as there has been no claim or loss during the current period of insurance. We will provide you with details of the change as soon as possible 3, our customer 5 Points will not be awarded upon the purchase of the following goods. Lotto and lottery tickets, postage stamps, phone topup vouchers.