Free look provision is applicable only in respect of an annual multi trip policy and annual student policy. At the inception of the policy, provided the trip has not commenced, insured will be allowed a period of 15 days (30 days for Telesales, Online and Web aggregators) from the date of receipt of the policy to review the terms and conditions of the policy and to return the same if not acceptable. Insured will be entitled to the following, provided no claim has been reported, settled or lodged for the period the policy has been in force: a. A refund of the premium paid less stamp duty charges or; b. where the risk has already commenced and the option of return of the policy is exercised, a deduction towards the proportionate risk premium for period on cover or; c. Where only a part of the risk has commenced, such proportionate risk premium commensurate with the risk covered during such period. However, please note free look is not applicable in the case of renewals. Free look cancellation as per provisions of Health Regulations.