07-09-2016 10:47 AM
I suppose there is no such policy by any company. Usually, you receive cummulative bonus of 5% in the next year on renewal.
07-09-2016 01:22 PM
Generally, cummulative bonus can be collected for each claim free year up to 25%.
04-10-2017 03:09 PM - edited 04-10-2017 03:35 PM
Its not an investment. It is a insurance policy, basically you are sharing the risk (ie) 10 people contributing for 1 person's claim. Your policy amount will be paid to some patient hence please don't think of refund. You have helped someone's treatment.