In the case of TATA AIA vs. Gyan Singh, the National Consumer Dispute Resolution Commission ruled that policyholders are entitled to a full refund if they had been mis-sold their insurance policies by way of forcing them to buy one, misguiding them of premium payment terms or more. Policyholders can approach the insurer's Grievance Redressal Officer or escalate to the Bima Bharosa portal and Insurance Ombudsman if issues persist.