If you decide to cancel your insurance contract before it starts or within the first 30 days after it begins (known as the cooling-off period), you’ll get a full refund of the premium you paid. This refund will be issued within 20 business days of receiving your cancellation notice. However, if you cancel after the cooling-off period has passed, or after you’ve received medical treatment or assistance covered by the insurance, you won’t be eligible for a refund of the premium, unless otherwise specified in the contract. For more information, please refer to the Policy Terms and Conditions.