Cancel Daman: The Right Way to Do It

How to cancel Daman insurance and get your refund in india

Understanding Daman and why you might want to cancel

Daman is an insurance brand offering health, travel and subscription-based policies through its website and mobile applications, including plans like Ziyarah for travel coverage. You have a legal right to cancel your policy or subscription at any time, regardless of the reason. Whether you have found better coverage elsewhere, your circumstances have changed, or you simply no longer need the protection, Tocancel is here to walk you through the exact cancellation process step by step.

How Daman sells its policies

Daman reaches customers through three main channels: its official website, the Apple App Store (iOS), and the Google Play Store (Android). Your cancellation method depends entirely on where you made your purchase. If you bought directly from Daman's website, you cancel through your online account. If you purchased through Apple or Google, those platforms control your billing and you must cancel there instead. Understanding your purchase channel is the critical first step to cancelling quickly without unnecessary delays.

Why the timing of your cancellation matters

For travel insurance policies like Ziyarah, the timing of your cancellation relative to your policy start date determines whether you receive a refund. Most insurance policies do not offer refunds once coverage has begun, but many allow full refunds if you cancel before the policy inception date. For ongoing subscriptions, cancelling before your next billing cycle stops future charges but typically does not recover money already paid. Check your policy documents or subscription confirmation email to confirm your exact start date and billing schedule.

Your consumer rights under indian law

Indian consumer law protects your right to cancel insurance and subscriptions under specific legal frameworks.

The free-look period: your legal protection window

The Consumer Protection Act, 2019 and insurance regulations in India require that all insurance policies include a free-look period, typically lasting 14 to 30 days from the date of purchase or policy inception (whichever is later). During this window, you can cancel your policy in writing and receive a full refund of your premium minus any applicable taxes or reasonable administration charges. This free-look period applies to travel insurance, health subscriptions, and all other insurance products sold in India. Your legal position is clear: the insurer must process your free-look cancellation and refund within 30 days of receiving your written request. Tocancel recommends keeping your purchase confirmation email and policy document as proof of your eligibility.

Cancellations after the free-look period

If you cancel your policy after the free-look period ends, the insurer may refuse a refund. However, you retain the right to cancel, and the insurer must acknowledge your cancellation and confirm the end date of your coverage. Premiums paid for the unused portion of your policy may be refunded at the insurer's discretion, depending on the specific terms in your policy wording. Some policies include pro-rata refund clauses (meaning you receive a proportional refund for unused coverage), while others do not. Review your policy documents to understand what applies to your situation.

Your escalation rights through the IRDAI

If Daman refuses to process your cancellation or denies your free-look refund without valid reason, you have the right to escalate your complaint to the Insurance Regulatory and Development Authority of India (IRDAI). The IRDAI is the government body that oversees insurance companies and consumer disputes in India. You can file a formal complaint online at www.irdai.gov.in or contact your state consumer commission under the Consumer Protection Act, 2019. Tocancel advises documenting every email, phone call, and message with Daman before escalating, as this evidence significantly strengthens your case and speeds up resolution.

How to cancel Daman if you purchased on the website

If you bought your policy or subscription directly from Daman's website, you can cancel through your online account in a straightforward process.

Website cancellation steps

1. Visit the Daman website and log in to your account using your registered email address and password
   • If you have forgotten your password, click "Forgot Password" and follow the reset link sent to your email inbox
   • If you cannot access your email, contact Daman support at the address provided at the end of this guide
2. Navigate to your account dashboard or profile section once logged in
   • Look for tabs or menu items labeled "My Policies," "Subscriptions," "Account Settings," or "My Products"
   • The exact labels may vary depending on when your account was created
3. Find the specific policy or subscription you want to cancel and click on it to view details
   • You should see a "Cancel Policy," "Cancel Subscription," or "End Coverage" button
   • If you do not see this option, click "Manage," "View Details," or "Edit Policy" to expand your options
4. Click the cancel or end option and read through the confirmation screen carefully
   • The system will display your cancellation date, any applicable refund amount, and the terms under which your refund will be processed
   • Note this information for your records
5. Confirm your cancellation by clicking the final "Confirm" or "Cancel Policy" button
   • You will receive an on-screen confirmation and an email confirmation at your registered email address
   • Save this email as proof of your cancellation request
6. Monitor your email for a cancellation confirmation letter or policy termination document from Daman
   • This document should specify your cancellation date and any refund amount due to you
   • If you do not receive this within 7 business days, contact Daman support using the address provided at the end of this guide

What to do if the cancel button does not appear

If you cannot find a cancel option on the website, your policy may have already ended, or the cancellation feature may not be available through your account dashboard. In this case, you must cancel by submitting a written request to Daman. Draft a clear email or letter stating your full name, policy number, date of purchase, and your request to cancel effective immediately or on a specific date. Send this to the Daman customer support address provided at the end of this guide. Tocancel recommends sending your cancellation request via email so you have a timestamped record of submission.

How to cancel Daman if you purchased through an app store

If you bought your Daman policy or subscription through Apple App Store or Google Play Store, those platforms control your billing and you must cancel through them, not through Daman directly.

Cancelling an iOS (Apple app store) subscription

1. Open the Apple App Store app on your iPhone or iPad
   • Tap the profile icon in the top right corner of the screen
2. Tap "Subscriptions" from the menu
   • You will see a list of all active subscriptions linked to your Apple ID
3. Find the Daman subscription in the list and tap on it
   • You will see the subscription name, price, renewal date, and payment method
4. Tap "Cancel Subscription" or "Edit Subscription" and then select "Cancel"
   • Apple will ask you to confirm that you want to cancel and may offer you alternative options
   • Proceed with the cancellation by tapping the final confirmation button
5. You will receive an on-screen confirmation that your subscription is cancelled
   • Apple will also send you a confirmation email to your registered Apple ID email address
   • Your access will continue until the end of your current billing period, after which charges will stop

Cancelling an android (Google play) subscription

1. Open the Google Play Store app on your Android phone or tablet
   • Tap the profile icon in the top right corner
2. Tap "Payments and subscriptions" from the menu options
   • Then tap "Subscriptions" to view all active subscriptions
3. Find the Daman subscription and tap on it to view its details
   • You will see the subscription cost, renewal date, and payment method
4. Tap "Cancel subscription" at the bottom of the screen
   • Google will ask you to confirm your cancellation and may display a reason selection form
   • You may optionally select why you are cancelling (this helps Google and Daman understand customer feedback, but it is not required)
5. Confirm the cancellation in the final pop-up window
   • Your subscription will be cancelled immediately and no further charges will occur after your current billing period ends
   • You will receive a confirmation email from Google Play

Understanding refunds and billing cycles

Your refund depends on when you cancel and which cancellation method you use.

Free-look period refunds

If you cancel within your free-look period (typically 14 to 30 days from purchase or policy start), you are entitled to a full refund of your premium minus reasonable administrative charges and applicable taxes. Daman must process this refund within 30 days of receiving your written cancellation request. The refund will be credited to your original payment method (credit card, debit card, or bank account depending on how you paid). Check your bank or credit card statement 7 to 10 business days after submitting your cancellation request.

Post free-look cancellations

Cancellations submitted after the free-look period may not result in a refund, depending on your policy terms. Some policies offer pro-rata refunds (a percentage of your premium for the unused portion of your coverage period), while others offer no refund at all. Review the "cancellation and refund" section of your policy document to understand exactly what applies to you. Tocancel recommends contacting Daman support if your policy document is unclear about refund eligibility.

App store subscription refunds

If you cancel through Apple App Store or Google Play, those platforms control refund decisions, not Daman. Generally, both platforms offer refunds for subscriptions cancelled within 48 hours of the initial charge. After 48 hours, refunds are at the discretion of Apple or Google. If you believe you are entitled to a refund but the app store refused one, you can appeal that decision directly through your App Store or Google Play account.

What happens after you cancel

Once your cancellation is processed, you need to understand what changes occur and what actions you should take.

Your coverage after cancellation

Your Daman coverage ends on the cancellation date specified in your termination confirmation. If you cancelled mid-month or mid-year, your access typically continues until the end of your current billing period, after which you lose coverage. Do not rely on the app or website being accessible after your cancellation date. If you need any remaining benefits or have outstanding claims, submit them before your cancellation date becomes effective.

Confirming cancellation completion

Within 7 to 10 business days of submitting your cancellation, you should receive a formal policy termination letter or cancellation confirmation email from Daman. This document confirms the cancellation date and any refund amount due. Keep this document for your records and as proof of cancellation if you ever dispute charges later. If you do not receive this confirmation, contact Daman at the address provided at the end of this guide.

Monitoring your accounts for unwanted charges

After cancellation, monitor your credit card, debit card, or bank account statements for 60 days to ensure no further charges from Daman appear. If you see a charge after your cancellation date, contact your bank or card issuer immediately and file a dispute. Tocancel advises keeping your cancellation confirmation email and termination letter accessible to provide to your bank as evidence that you cancelled.

Common mistakes that delay cancellation

Cancelling an insurance policy or subscription can feel stressful, especially if you are unsure about your rights or worried you will lose important coverage. The good news is that most cancellation issues are easily resolved if you know what to avoid.

Mistake 1: not knowing your free-look window dates

Many consumers miss their free-look period because they do not know when it ends. Your free-look period starts on your purchase date or policy inception date (whichever is later) and lasts 14 to 30 days depending on the policy type. If you purchased on 5 January, for example, your free-look period likely ends between 19 January and 4 February. Once this window closes, you lose your guaranteed right to a full refund. Immediately check your purchase confirmation email and policy document to identify your exact free-look end date, and submit your cancellation request well before that date passes.

Mistake 2: cancelling through the wrong channel

If you purchased through an app store, you must cancel through that app store, not by emailing Daman. Many consumers waste weeks emailing Daman asking for a refund only to discover that the company cannot process it because the subscription was purchased through Apple or Google. Verify your original purchase receipt or confirmation email to confirm whether you bought directly from Daman or through an app store, then use the correct cancellation method.

Mistake 3: not documenting your cancellation request

If you cancel by phone or verbal conversation, you have no written record to prove you submitted a cancellation request. Always submit cancellation requests in writing via email, the website form, or registered post so you have timestamped proof. If Daman later claims they never received your cancellation, you can show your email receipt or postal tracking number as evidence. Tocancel recommends taking screenshots of on-screen confirmations and saving all confirmation emails.

Mistake 4: assuming your subscription is cancelled when you delete the app

Deleting the Daman app from your phone does not cancel your subscription. Your subscription continues and you will be charged until you formally cancel through the website or app store. Many consumers are shocked to find charges continuing weeks after they thought they had ended their subscription. Always use the formal cancellation process outlined in this guide, not simply app deletion.

Escalating your complaint if Daman refuses to cancel

If Daman refuses to process your cancellation or denies your refund without valid reason, you have clear escalation options under Indian law.

Step 1: document and escalate internally

Send a formal written request to Daman's customer support stating that you are formally requesting cancellation of your policy and citing the Consumer Protection Act, 2019 and IRDAI regulations. Ask for a written response within 10 days confirming cancellation or explaining any denial with specific policy clause references. This formal approach often resolves the issue because it signals you understand your rights. Save all correspondence.

Step 2: file a complaint with the IRDAI

If Daman does not respond within 10 days or refuses your cancellation, file a formal complaint with the Insurance Regulatory and Development Authority of India at www.irdai.gov.in. The IRDAI accepts complaints online and investigates disputes between consumers and insurers. Include your policy number, cancellation request date, all correspondence with Daman, and a clear explanation of why you believe your cancellation should be granted. The IRDAI takes consumer complaints seriously and has the authority to compel insurers to process cancellations and issue refunds.

Step 3: contact your state consumer commission

Under the Consumer Protection Act, 2019, you can also file a complaint with your state consumer commission. Visit your state government's official website to find the consumer commission contact details and filing process. Consumer commissions have authority to award refunds, compensation for delays, and penalties against companies that violate consumer law. Tocancel recommends gathering all documentation (purchase confirmation, policy document, cancellation requests, and correspondence with Daman) before filing.

Key actions to take now

You now have the knowledge and rights to cancel your Daman policy or subscription confidently. Here is your action checklist to move forward.

How tocancel can help you take control

Navigating cancellations and refunds can feel overwhelming, especially when you are unsure whether the company will honour your request. Tocancel empowers you with clear, legally-backed guidance so you understand your rights and take confident action. Our consumer rights advocates at Tocancel have helped thousands of consumers cancel unwanted policies, recover refunds, and escalate complaints when companies refuse to cooperate. Visit Tocancel.com today to access additional cancellation guides, find support for other services, and learn how to document your cancellation requests effectively. Tocancel is your trusted resource for understanding your consumer rights under Indian law and taking charge of your subscriptions and policies. Your right to cancel is absolute; you simply need the right information to exercise it.

Contact information for Daman policy cancellations

For website-based cancellations, use the steps outlined in this guide. For cancellations requiring written correspondence, you can contact Daman through the following general channels for insurance policy enquiries and cancellations. Note that Daman operates through Reliance General Insurance and its successors, and cancellation requests may be processed through the parent company's customer service.

Email: Contact Daman's customer support via the email address listed on your policy document or the Daman website

Phone: Call the customer service number provided in your policy document or on the Daman website during business hours

Postal address: Send a registered letter requesting cancellation to the Reliance General Insurance registered office (the current address is available on www.reliance.com or www.indusgeneralinsurance.com; verify the current address before mailing as office locations may change)

IRDAI complaint: File a formal complaint online at www.irdai.gov.in if Daman does not respond or denies your cancellation unfairly

Tocancel recommends keeping records of all communication attempts, including email send confirmations, phone call logs with dates and times, and postal tracking numbers. This documentation is invaluable if you need to escalate your complaint to the IRDAI or pursue legal action. Your right to cancel is protected by law; ensure you have proof that you exercised it.