You may cancel your policy and get back your premium paid within the cooling off period (the earlier of 21 days after the delivery of the policy or the issue of a notice to you or your representative), you have to tell us by giving a written notice if you decide to terminate the policy.
After cooling off period, the policyholder may terminate the policy by giving not less than 30 days’ notice in writing to the Company. Such termination shall become effective on the Premium Due Date. There shall be no refund of Premium paid and Cigna reserves the right to charge the Premium until the end of such Policy year after the termination.