Cancellation & Refund Policy

Yes. You may cancel your policy and receive a refund of premium for the unexpired period. The amount refundable depends on when and how you cancel – within the Free Look Period (see Question 3) or thereafter (see Question 4) – and is calculated in line with applicable IRDAI regulations. 

Yes. You may cancel your policy and receive a refund of premium for the unexpired period. The amount refundable depends on when and how you cancel – within the Free Look Period (see Question 3) or thereafter (see Question 4) – and is calculated in line with applicable IRDAI regulations. 

Yes. You may cancel within the Free Look Period – 30 days from the date of receipt of the policy document This option is available for policies with a term of one year or more. For any other cancellation, please contact us at 1800 258 5956

Yes. You may cancel within the Free Look Period – 30 days from the date of receipt of the policy document This option is available for policies with a term of one year or more. For any other cancellation, please contact us at 1800 258 5956

You are entitled to a refund of the premium paid, subject only to the following deductions: a proportionate risk premium for the period of cover for which you were on risk; expenses, if any, incurred on the medical examination of the proposer; and stamp duty charges. The balance premium will be refunded to you.

You are entitled to a refund of the premium paid, subject only to the following deductions:

• a proportionate risk premium for the period of cover for which you were on risk;
• expenses, if any, incurred on the medical examination of the proposer; and
• stamp duty charges.

The balance premium will be refunded to you.

Yes. You may cancel your policy at any time during the policy term by giving 7 days’ notice in writing. Where the policy term is up to one year and no claim has been made during the policy period, a proportionate (pro-rata) refund of premium for the unexpired policy period will be made. For policies with a term of more than one year, premium for the unexpired policy period will be refunded where the risk coverage for such policy years has not commenced.

Yes. You may cancel your policy at any time during the policy term by giving 7 days’ notice in writing. Where the policy term is up to one year and no claim has been made during the policy period, a proportionate (pro-rata) refund of premium for the unexpired policy period will be made. For policies with a term of more than one year, premium for the unexpired policy period will be refunded where the risk coverage for such policy years has not commenced.

The Company may cancel the policy only on the grounds of established fraud, by giving you a notice. Your health policy is otherwise renewable and renewal will not be denied except in the case of established fraud, non-disclosure or misrepresentation.

The Company may cancel the policy only on the grounds of established fraud, by giving you a notice. Your health policy is otherwise renewable and renewal will not be denied except in the case of established fraud, non-disclosure or misrepresentation.

No. You retain the right to port your indemnity health policy to another insurer. On porting, your accrued credits – Sum Insured, No Claim Bonus, specific waiting periods, waiting period for pre-existing diseases and the Moratorium period – are transferred, subject to the prescribed portability process and timelines.

No. You retain the right to port your indemnity health policy to another insurer. On porting, your accrued credits – Sum Insured, No Claim Bonus, specific waiting periods, waiting period for pre-existing diseases and the Moratorium period – are transferred, subject to the prescribed portability process and timelines.

Please email us at hello@godigit.com with your policy number, the reason for cancellation and the requisite documents. You may also reach our helpline at 1800 258 5956/1800-103-4448

Please email us at hello@godigit.com with your policy number, the reason for cancellation and the requisite documents. You may also reach our helpline at 1800 258 5956/1800-103-4448

All refunds are made only to the bank account of the policyholder/proposer/nominee through electronic transfer. Please ensure your bank account details are correctly registered with us.

All refunds are made only to the bank account of the policyholder/proposer/nominee through electronic transfer. Please ensure your bank account details are correctly registered with us.

For any queries or grievances, please contact us at hello@godigit.com(email) or 1800 258 4242. If your grievance remains unresolved, you may approach the Insurance Ombudsman.

For any queries or grievances, please contact us at hello@godigit.com(email) or 1800 258 4242. If your grievance remains unresolved, you may approach the Insurance Ombudsman.