p>If you cancel your income protection insurance during the cooling-off period and you haven’t made a claim during that time, then you’ll get a full refund of any premiums that have been paid. With OneChoice Income Protection Insurance, the cooling-off period is 30 days.</p><p>If you cancel your policy after 30 days, and pay your premium fortnightly or monthly, you will not get anything back because this policy is not a savings plan. However, if you have chosen an annual payment option, we will refund the annual premium less a pro rata amount covering the period for which you were insured.</p