How long will the refund take if I pay for the tickets through international credit card?

If I purchase a two-way air ticket and cancels the air ticket for the return flight for any reason, may I surrender my policy(For flights depart from Hong Kong & Macau)?

How many times can I change my flight online?

When does the overseas travel insurance policy become effective(For flights depart from Hong Kong & Macau)?

If I purchase a two-way air ticket and cancels the air ticket for the return flight for any reason, may I surrender my policy(For flights depart from Japan)?

How to get my ticket(official receipt)?

Does the ticket include meals or drinks?

When does the overseas travel insurance policy expire(For flights depart from Japan)?

If I purchase a two-way air ticket and cancels the air ticket for the return flight for any reason, may I surrender my policy(For flights depart from Bangkok)?

How long will the refund take if I pay for the tickets through Wechat Wallet?