Hdfc called several times a day and sort of influenced to take this policy. The cancellation process is as difficult as it can get and the charges are so much that you will revert taking this policy. Whatever was told to me about the policy was told to me on phone and no agent was sent. I took the policy but as I changed my mind to cancel it, things became weird.
Cancellation charges as told to me were zero for 15 days from start of policy but the bank official said they would charge 30% of what was paid and then return the rest. I was shocked. At the end I had to live with it and did not cancel. Please refrain from such policies and personlly visit bank to get to know everything before using any policy. Life lesson. Be aware.