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Mohamudazar1988, As per terms &conditions of policy of any health or any other insurer, there was a free look period of 15 days from the date of receipt of policy document if insured is not satisfied with terms & conditions of policy, the policy can be cancelled within this period, then insurer w/o asking any reasons/questions refund of full premium should be done within maximum period 30 days thereafter.Otherwise refund will be proportionately & question of paymentof premium by credit card or otherwise does not arise at all. In case your request in writing for cancellation of policy falls within free look period, insurer cannot deduct any charges & withheld the same for longer period. This is based on my exiperience with few insurers which may or not be useful to you.
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