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Policy cancellation and refund of the premium shall be as per the terms and conditions of the policy. The refunds are processed by the Insurance Company directly. You are requested to refer the respective section of your Policy terms and conditions or contact the toll free number of the Insurance Company that you have chosen to buy the product from. You can also call us at our customer helpline number 080 6905 7777 or write a mail to us at help@ginteja.com We shall be happy to assist you.