Is there such a thing as a fully refundable insurance policy that will pay you back every cent you have put in, if you do not make a claim? Well, yes, if you believe some of the videos circulating on social media. One of these videos explains how the "policy" works: Please subscribe or log in to continue reading the full article. Get unlimited access to all stories at $0.99/month Latest headlines and exclusive stories In-depth analyses and award-winning multimedia content Get access to all with our no-contract promotional package at only $0.99/month for the first 3 months* Subscribe now *Terms and conditions apply.