I would like to seek opinion on the following-
I had applied for a term insurance policy (policy no. 914) from LIC (India) through their authorized agent. After I had undergone one medical test (which was a basic test of height, weight etc), I decided to withdraw from the application process. Thereafter, LIC reimbursed my premium after deducting amount for medical test.

However, I believe this deduction is illegal as it was not mentioned that this amount will be deducted either-
a. in writing (in any document shown to me)
b. verbally, by authorized agent
Additionally,
c. There are no publicly available rules (on website or otherwise) that mention that such charges would be levied.

Am I correct in my argument? If yes, how should I take this matter?

Thanks for your time.