Renewed a year old health policy and requested double-up of SI to 10 lakh. Formalities completed, payment made. Insurer backed-off and issued same SI policy wih high claim of premium, there is no consent taken. I requestedto cancel the policy. The policy was advised canceled and refund was made with deductions. I am protesting how deduction can be applied to a transaction that was unilaterally imposed by insurer, no consent taken from buyer (me).