Individual:In case the policyholder is not agreeable to any policy terms and conditions under this product, the policyholder shall have the option of returning the policy to us stating the reasons thereof, within 15 days from the date of receipt of the policy, as per IRDA (Protection of Policyholders’ Interests) Regulations, 2017. If the policyholder has purchased the policy through the Distance Marketing mode, this period will be 30 days. On receipt of the letter along with the original policy document, we shall refund the premium, subject to deduction of the expenses incurred by us for medical examination (if any) and stamp duty (if any).Group:In case the Master Policyholder/Scheme Member is not agreeable to any policy terms and conditions under this product, the Master Policyholder/Scheme Member shall have the option of returning the Policy/Certificate of insurance to us stating the reasons thereof, within 15 days from the date of receipt of the Policy/Certificate of insurance, as per IRDA (Protection of Policyholders’ Interests) Regulations, 2017. If the Master Policyholder/Scheme Member has purchased the policy through the Distance Marketing mode, this period will be 30 days. On receipt of the free-look intimation and Policy/Certificate of Insurance, the company shall refund the premium, subject to deduction of the expenses incurred by us for medical examination (if any) and stamp duty (if any). For Administrative purposes, all such free-look requests should be registered by Master Policyholder on behalf of Scheme Member.If this product is purchased through proceeds from subscribers NPS funds, the proceeds from cancellation in the free-look period shall only be transferred back to the CRA from where the money was received.