The policy will be issued immediately after the insurance application. The policy plan type cannot be changed after the policy is issued and each Insured Person can only possess one InfiniCare policy. Customers may cancel their existing policies on OneDegree online portal within’ 30 days of policy’s issue date and re-apply for the policy with a preferred plan type. The policy can also be cancelled after 30 days of the policy’s effective date and the premium would be refunded according to the terms. Please note that the waiting period will be recalculated upon the issue of the new policy.