NiveshLedger
Insurance

What is Free Look Period?

Updated 20 August 2026

A window, typically 15-30 days after receiving a new insurance policy, during which you can review it and cancel for a full refund if you're not satisfied.

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The free look period is a window of time, typically 15 to 30 days, starting from the day you receive your insurance policy document, during which you can review the full terms and conditions in detail, and cancel the policy if you're not satisfied, receiving a refund of the premium paid (minus certain deductions like stamp duty and medical exam costs, if applicable).

This provision exists to protect policyholders from being locked into a policy they didn't fully understand or that doesn't match what was verbally promised to them at the time of purchase. It's a good practice to carefully read your policy document as soon as it arrives and use this window to clarify any discrepancies with the insurer or your advisor, rather than assuming everything discussed verbally was accurately reflected in the final document.