Can I cancel my policy at any time and if yes will I get my premium back?

On cancelling insurance policy you would not get the entire premiums. Some of it would be deducted for covering risk in whatever period you were covered. The rest can be paid out and this depends on the type of insurance policy. 

In case of life insurance policies some accumulate a surrender value after 3 to 5 premium payment years. But in traditional policies and ULIPs charges are heavy in the first 3-5 years and hence surrender value would be peanuts; you might not even recover premiums paid.

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