I've been pricing some Club World tickets to India on the BA website and am finding just two types of fare - non refundable or fully flexible. The nonrefundable fares are a little under the third the cost of a fully flexible ticket. Is there any middle ground here? I ask because my desired travel dates are definitive but there is a chance I may need to cancel altogether. So I would not be looking for date changes or changes in itinerary, rather a complete cancellation / reimbursement of the ticket if the need arises. Any suggestions?

Rgds.