{"id":5482,"date":"2025-09-16T17:03:38","date_gmt":"2025-09-16T11:33:38","guid":{"rendered":"http:\/\/www.insurancesamadhan.com\/blog\/?p=5482"},"modified":"2025-09-17T13:30:57","modified_gmt":"2025-09-17T08:00:57","slug":"mis-sold-insurance-policy-heres-how-to-get-justice","status":"publish","type":"post","link":"http:\/\/www.insurancesamadhan.com\/blog\/mis-sold-insurance-policy-heres-how-to-get-justice\/","title":{"rendered":"Mis-Sold Insurance Policy? Here\u2019s How to Get Justice"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_76 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/mis-sold-insurance-policy-heres-how-to-get-justice\/#Introduction\" >Introduction<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/mis-sold-insurance-policy-heres-how-to-get-justice\/#What_Exactly_Constitutes_a_Mis-Sold_Insurance_Policy\" >What Exactly Constitutes a Mis-Sold Insurance Policy?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/mis-sold-insurance-policy-heres-how-to-get-justice\/#The_Real_Impact_of_Mis-Sold_Policies_on_Your_Life\" >The Real Impact of Mis-Sold Policies on Your Life<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/mis-sold-insurance-policy-heres-how-to-get-justice\/#Your_Step-by-Step_Action_Plan_for_Getting_Justice\" >Your Step-by-Step Action Plan for Getting Justice<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/mis-sold-insurance-policy-heres-how-to-get-justice\/#Your_Legal_Rights_When_Youve_Been_Mis-Sold\" >Your Legal Rights When You&#8217;ve Been Mis-Sold<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/mis-sold-insurance-policy-heres-how-to-get-justice\/#Why_Professional_Help_Makes_All_the_Difference\" >Why Professional Help Makes All the Difference<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/mis-sold-insurance-policy-heres-how-to-get-justice\/#Take_Control_of_Your_Insurance_Future\" >Take Control of Your Insurance Future<\/a><\/li><\/ul><\/nav><\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Introduction\"><\/span>Introduction<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Millions of Indians have been victims of mis-selling of insurance, trapped in products that don&#8217;t serve their needs, paying premiums for coverage they don&#8217;t have, or discovering that the &#8220;guaranteed returns&#8221; were anything but guaranteed. The worst part is that many people think they&#8217;re stuck with these policies forever.<\/p>\n\n\n\n<p>But being mis-sold an insurance policy isn&#8217;t just unfortunate, it&#8217;s illegal. And there are specific, powerful ways to fight back and get the justice you deserve. You don&#8217;t have to live with a policy that was sold to you through deception or misrepresentation.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2025\/09\/blog5-1-1024x576.jpg\" alt=\"\" class=\"wp-image-5483\" srcset=\"http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2025\/09\/blog5-1-1024x576.jpg 1024w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2025\/09\/blog5-1-300x169.jpg 300w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2025\/09\/blog5-1-150x84.jpg 150w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2025\/09\/blog5-1-768x432.jpg 768w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2025\/09\/blog5-1-1536x864.jpg 1536w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2025\/09\/blog5-1.jpg 1920w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_Exactly_Constitutes_a_Mis-Sold_Insurance_Policy\"><\/span><strong>What Exactly Constitutes a Mis-Sold Insurance Policy?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/blog\/spotting-red-flags-understanding-insurance-mis-selling\/\"><strong>Mis-selling of insurance<\/strong><\/a> happens when you&#8217;re sold a policy that doesn&#8217;t match your actual needs, or when the sales process involves deception, incomplete disclosure, or outright lies. It&#8217;s not just about buyer&#8217;s remorse, it&#8217;s about being deliberately misled about what you&#8217;re purchasing.<\/p>\n\n\n\n<p><strong>Common Mis-Selling Scenarios:<\/strong><\/p>\n\n\n\n<p><strong>False Return Promises<\/strong>: You were told your ULIP would give guaranteed returns of 12-15% annually, but the policy documents clearly state that returns are market-linked and not guaranteed.<\/p>\n\n\n\n<p><strong>Coverage Misrepresentation<\/strong>: Your health insurance agent assured you that all pre-existing conditions would be covered immediately, but the policy excludes them for the first few years.<\/p>\n\n\n\n<p><strong>Wrong Product for Your Needs<\/strong>: You needed term insurance for maximum coverage at low cost, but were sold an expensive endowment policy because it gave the seller higher commissions.<\/p>\n\n\n\n<p><strong>Hidden Charges and Conditions<\/strong>: The seller didn&#8217;t mention the hefty surrender charges, policy administration fees, or the fact that you&#8217;d get almost nothing back if you discontinue the policy in the first few years.<\/p>\n\n\n\n<p><strong>Incomplete Risk Disclosure<\/strong>: You were sold a market-linked product without being told about the risks involved, or the agent downplayed the possibility of losses.<\/p>\n\n\n\n<p><strong>Pressure Tactics<\/strong>: You were rushed into buying without adequate time to read the policy document or understand the terms and conditions.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The_Real_Impact_of_Mis-Sold_Policies_on_Your_Life\"><\/span><strong>The Real Impact of Mis-Sold Policies on Your Life<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Mis-sold insurance policies can derail your entire financial planning and leave you vulnerable when you need protection most.<\/p>\n\n\n\n<p><strong>Financial Consequences<\/strong>: You&#8217;re paying premiums for inadequate coverage or inappropriate products. The money you could have invested in suitable policies or other financial instruments is locked up in products that don&#8217;t serve your goals.<\/p>\n\n\n\n<p><strong>Protection Gaps<\/strong>: The worst consequence is discovering during a crisis that you don&#8217;t have the coverage you thought you had. Imagine facing a medical emergency only to learn your health policy doesn&#8217;t cover your condition because of some fine print you were never told about.<\/p>\n\n\n\n<p><strong>Opportunity Cost<\/strong>: Every rupee you&#8217;re paying toward a mis-sold policy is a rupee not going toward appropriate financial products that could actually help you achieve your goals.<\/p>\n\n\n\n<p><strong>Stress and Frustration<\/strong>: The constant worry about whether you made the right decision, the feeling of being trapped, and the anger at being deceived takes a real toll on your peace of mind.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Your_Step-by-Step_Action_Plan_for_Getting_Justice\"><\/span><strong>Your Step-by-Step Action Plan for Getting Justice<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>Step 1: Document Everything<\/strong><br>Gather all evidence of the mis-selling policy documents, sales literature, recorded calls, emails, receipts, and any written promises made by the agent. Create a timeline of what you were told versus what you actually received.<\/p>\n\n\n\n<p><strong>Step 2: Approach the Insurance Company<\/strong><br>Start with the internal grievance mechanism. Write a formal complaint to the insurance company&#8217;s grievance cell, clearly stating how you were mis-sold and what resolution you&#8217;re seeking. Keep copies of all correspondence.<\/p>\n\n\n\n<p><strong>Step 3: Escalate to Insurance Ombudsman<\/strong><br>If the insurance company doesn&#8217;t resolve your complaint satisfactorily within 30 days, you can approach the Insurance Ombudsman. This is a free service that can order the insurance company to take corrective action.<\/p>\n\n\n\n<p><strong>Step 4: File IRDAI Complaints<\/strong><br>Simultaneously or subsequently, file a complaint with IRDAI through their Bima Bharosa portal. IRDAI takes mis-selling cases seriously and can impose penalties on insurance companies and agents.<\/p>\n\n\n\n<p><strong>Step 5: Explore Legal Remedies<\/strong> For significant financial losses, you may need to consider consumer court or civil court proceedings. This is where professional legal guidance becomes crucial.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Your_Legal_Rights_When_Youve_Been_Mis-Sold\"><\/span><strong>Your Legal Rights When You&#8217;ve Been Mis-Sold<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>You have strong legal protections against mis-selling of insurance, and regulatory authorities take these cases very seriously.<\/p>\n\n\n\n<p><strong>IRDAI Guidelines<\/strong>: The Insurance Regulatory and Development Authority of India has clear guidelines about fair sales practices. Insurance companies and agents are legally required to ensure suitability, provide complete information, and avoid misleading statements.<\/p>\n\n\n\n<p><strong>Right to Free-Look Period<\/strong>: Every insurance policy comes with a free-look period (usually 15-30 days) during which you can cancel the policy and get a full refund if you&#8217;re not satisfied. Many people don&#8217;t exercise this right because sellers don&#8217;t properly explain it.<\/p>\n\n\n\n<p><strong>Right to Complete Information<\/strong>: You have the right to receive all material facts about the policy, including charges, exclusions, risks, and terms and conditions. Failure to provide this information constitutes mis-selling.<\/p>\n\n\n\n<p><strong>Right to Suitable Products<\/strong>: Insurance companies are required to recommend products that suit your needs and risk profile. Selling unsuitable products for higher commissions is a violation of regulatory guidelines.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why_Professional_Help_Makes_All_the_Difference\"><\/span><strong>Why Professional Help Makes All the Difference<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>While you can pursue <a href=\"https:\/\/www.insurancesamadhan.com\/blog\/mis-sold-life-insurance-turn-the-tables-with-these-expert-tips\/\"><strong>mis-sold life insurance<\/strong><\/a> claims on your own, the complexity of insurance laws, documentation requirements, and procedural nuances make professional assistance invaluable.<\/p>\n\n\n\n<p>At Insurance Samadhan, we&#8217;ve handled hundreds of mis-selling cases across all types of insurance products. Our team understands exactly what constitutes mis-selling under regulatory guidelines, how to present evidence effectively, and which remedies to pursue for maximum benefit.<\/p>\n\n\n\n<p>With over 20,000 resolved insurance claims worth \u20b9220+ crores, we&#8217;ve seen every type of mis-selling scenario and developed proven strategies to get justice for our clients. We understand the tactics insurance companies use to defend against mis-selling claims and how to counter them effectively.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Take_Control_of_Your_Insurance_Future\"><\/span><strong>Take Control of Your Insurance Future<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>If you suspect you&#8217;ve been mis-sold an insurance policy, don&#8217;t let another premium payment period pass without taking action. The sooner you address the issue, the more options you&#8217;ll have for resolution.<\/p>\n\n\n\n<p>Call us at 95136-31312 or download the Polifyx app to get started. Let us review your policy, assess whether you have grounds for a mis-selling claim, and guide you through the process of getting the justice you deserve. Our transparent process and success-based fee structure mean we&#8217;re invested in your success from day one.<\/p>\n\n\n\n<p><em>Because insurance should protect you, not exploit you and we&#8217;re here to make sure that&#8217;s exactly what happens.<\/em><\/p>\n\n\n\n<p><strong>FAQs<\/strong><\/p>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1758020707692\"><strong class=\"schema-faq-question\"><strong>What can I do if I was sold a mis-selling insurance policy?<\/strong><br\/><\/strong> <p class=\"schema-faq-answer\">If you were mis-sold an insurance policy, you should first gather all evidence (policy documents, sales communication, receipts), raise a complaint with your insurance company, and if unresolved, escalate it to the Insurance Ombudsman or IRDAI.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1758020755926\"><strong class=\"schema-faq-question\"><strong>How do I know if my insurance policy was mis-sold?<\/strong><br\/><\/strong> <p class=\"schema-faq-answer\">You may have been mis-sold a policy if:<br\/><br\/>1. The benefits promised don\u2019t match the policy document.<br\/>2. You were given false return assurances.<br\/>3. You have been sold policy against a loan<br\/>4. You have been sold policy with a promise of job<br\/>5. You are sold policy by a bank as a FD<br\/>6. You are sold new policy to recover money from lapsed policy<br\/>7. You were pressured to buy without time to review terms.<br\/>8. You received a product unsuitable for your needs (e.g., endowment instead of term insurance).<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1758020823747\"><strong class=\"schema-faq-question\"><strong>Can I cancel a mis-sold insurance policy and get my money back?<\/strong><br\/><\/strong> <p class=\"schema-faq-answer\">Yes. Every policy comes with a free-look period (usually 15\u201330 days) during which you can cancel and get a refund. Even after this period, you can file a grievance with the insurer, approach the Insurance Ombudsman, or escalate to IRDAI to seek remedies.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1758020840504\"><strong class=\"schema-faq-question\"><strong>What is the role of IRDAI in mis-sold insurance cases?<\/strong><br\/><\/strong> <p class=\"schema-faq-answer\">The Insurance Regulatory and Development Authority of \u20b9India (IRDAI) enforces fair sales practices and takes mis-selling complaints seriously. You can file a complaint through the Bima Bharosa portal, and IRDAI can direct insurers to resolve your grievance or even penalize them for violations.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1758020879201\"><strong class=\"schema-faq-question\"><strong>Can I approach the Insurance Ombudsman for a mis-sold policy?<\/strong><br\/><\/strong> <p class=\"schema-faq-answer\">Yes. If your insurer doesn\u2019t resolve your grievance within 30 days, you can approach the Insurance Ombudsman free of cost. The Ombudsman can order corrective action such as refund or policy rectification. Though the amount of compensation you\u2019re seeking should not exceed \u20b950 lakhs.<\/p> <\/div> <\/div>\n\n\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=organic&amp;utm_medium=blog&amp;utm_campaign=blog_post&amp;utm_term=blog_term\"><strong>Click here to register your complaint with Insurance Samadhan<\/strong><\/a><\/p>\n<p>Visit our website:\u00a0<a href=\"https:\/\/www.insurancesamadhan.com\/\">insurancesamadhan.com<\/a><\/p>\n<p>Mail us at\u00a0<a href=\"mailto:corporate@insurancesamadhan.com\">corporate@insurancesamadhan.com<\/a><\/p>\n\n<p><script type=\"application\/ld+json\"><br \/>\n{<br \/>\n  \"@context\": \"https:\/\/schema.org\/\",<br \/>\n  \"@type\": \"Article\",<br \/>\n  \"mainEntityOfPage\": {<br \/>\n    \"@type\": \"WebPage\",<br \/>\n    \"@id\": \"hhttps:\/\/www.insurancesamadhan.com\/blog\/mis-sold-insurance-policy-heres-how-to-get-justice\/\"<br \/>\n  },<br \/>\n  \"headline\": \"Mis-Sold Insurance Policy? Here\u2019s How to Get Justice <br \/>\n\",<br \/>\n  \"description\": Discover how to spot mis-sold insurance, file complaints, and recover money with Insurance Samadhan\u2019s expert guidance and proven solutions.<br \/>\n\",<br \/>\n  \"image\": {<br \/>\n    \"@type\": \"ImageObject\",<br \/>\n    \"url\": \"https:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2025\/09\/blog5-1-1024x576.jpg,<br \/>\n    \"width\": 1920,<br \/>\n    \"height\": 1080<br \/>\n  },<br \/>\n  \"author\": {<br \/>\n    \"@type\": \"Person\",<br \/>\n    \"name\": \"Insurance Samadhan\"<br \/>\n  },<br \/>\n  \"publisher\": {<br \/>\n    \"@type\": \"Organization\",<br \/>\n    \"name\": \"Insurance Samadhan\",<br \/>\n    \"logo\": {<br \/>\n      \"@type\": \"ImageObject\",<br \/>\n      \"url\": \"https:\/\/insurancesamadhan.com\/images\/logo.svg\",<br \/>\n      \"width\": 224,<br \/>\n      \"height\": 47<br \/>\n    }<br \/>\n  },<br \/>\n  \"datePublished\": \"2025-9-16\",<br \/>\n  \"dateModified\": \"2025-9-16\"<br \/>\n}<br \/>\n<\/script><\/p>","protected":false},"excerpt":{"rendered":"<p>Introduction Millions of Indians have been victims of mis-selling of insurance, trapped in products that don&#8217;t serve their needs, paying premiums for coverage they don&#8217;t have, or discovering that the &#8220;guaranteed returns&#8221; were anything but guaranteed. The worst part is&hellip; <a href=\"http:\/\/www.insurancesamadhan.com\/blog\/mis-sold-insurance-policy-heres-how-to-get-justice\/\" class=\"more-link\">Continue Reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":14,"featured_media":5485,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","footnotes":""},"categories":[18,398,405,1],"tags":[],"class_list":["post-5482","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-life-insurance","category-mis-sold-life-insurance","category-mis-sold-insurance-policy","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Mis-Sold Insurance Policy? Here\u2019s How to Get Justice - Insurance Samadhan<\/title>\n<meta name=\"description\" content=\"Discover how to spot mis-sold insurance, file complaints, and recover money with Insurance Samadhan\u2019s expert guidance and proven solutions.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/mis-sold-insurance-policy-heres-how-to-get-justice\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Mis-Sold Insurance Policy? 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The benefits promised don\u2019t match the policy document.<br\/>2. You were given false return assurances.<br\/>3. You have been sold policy against a loan<br\/>4. You have been sold policy with a promise of job<br\/>5. You are sold policy by a bank as a FD<br\/>6. You are sold new policy to recover money from lapsed policy<br\/>7. You were pressured to buy without time to review terms.<br\/>8. You received a product unsuitable for your needs (e.g., endowment instead of term insurance).","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"http:\/\/www.insurancesamadhan.com\/blog\/mis-sold-insurance-policy-heres-how-to-get-justice\/#faq-question-1758020823747","position":3,"url":"http:\/\/www.insurancesamadhan.com\/blog\/mis-sold-insurance-policy-heres-how-to-get-justice\/#faq-question-1758020823747","name":"Can I cancel a mis-sold insurance policy and get my money back?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Yes. 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Though the amount of compensation you\u2019re seeking should not exceed \u20b950 lakhs.","inLanguage":"en-US"},"inLanguage":"en-US"}]}},"jetpack_featured_media_url":"http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2025\/09\/thumb-5-1.jpg","uagb_featured_image_src":{"full":["http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2025\/09\/thumb-5-1.jpg",250,175,false],"thumbnail":["http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2025\/09\/thumb-5-1-150x105.jpg",150,105,true],"medium":["http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2025\/09\/thumb-5-1.jpg",250,175,false],"medium_large":["http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2025\/09\/thumb-5-1.jpg",250,175,false],"large":["http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2025\/09\/thumb-5-1.jpg",250,175,false],"1536x1536":["http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2025\/09\/thumb-5-1.jpg",250,175,false],"2048x2048":["http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2025\/09\/thumb-5-1.jpg",250,175,false],"thumb-small":["http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2025\/09\/thumb-5-1-50x50.jpg",50,50,true],"thumb-medium":["http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2025\/09\/thumb-5-1-250x135.jpg",250,135,true],"thumb-featured":["http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2025\/09\/thumb-5-1.jpg",250,175,false]},"uagb_author_info":{"display_name":"Insurance Samadhan","author_link":"http:\/\/www.insurancesamadhan.com\/blog\/author\/kanishinsa\/"},"uagb_comment_info":1,"uagb_excerpt":"Introduction Millions of Indians have been victims of mis-selling of insurance, trapped in products that don&#8217;t serve their needs, paying premiums for coverage they don&#8217;t have, or discovering that the &#8220;guaranteed returns&#8221; were anything but guaranteed. 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