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Cancel DIGIT
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Cancellation service #1 in Nigeria
4.9Calculated on 5.6K reviews
I hereby notify you of my decision to terminate the contract relating to the Digit service.
This notification constitutes a firm, clear and unequivocal intention to cancel the contract, effective at the earliest possible date or in accordance with the applicable contractual period.
Please take all necessary measures to:
– cease all billing from the effective date of cancellation;
– confirm in writing the proper processing of this request;
– and, if applicable, send me the final statement or balance confirmation.
This cancellation is addressed to you by certified e-mail. The sending, timestamping and content integrity are established, making it a probative document meeting electronic proof requirements. You therefore have all the necessary elements to proceed with regular processing of this cancellation, in accordance with applicable principles regarding written notification and contractual freedom.
In accordance with personal data protection rules, I also request:
– deletion of all my data not necessary for your legal or accounting obligations;
– closure of any associated personal account;
– and confirmation of actual data deletion according to applicable privacy rights.
I retain a complete copy of this notification as well as proof of sending.
Important warning regarding service limitations
In the interest of transparency and prevention, it is essential to recall the inherent limitations of any dematerialized sending service, even when timestamped, tracked and certified. Guarantees relate to sending and technical proof, but never to the recipient's behavior, diligence or decisions.
Please note, Postclic cannot:
- guarantee that the recipient receives, opens or becomes aware of your e-mail.
- guarantee that the recipient processes, accepts or executes your request.
- guarantee the accuracy or completeness of content written by the user.
- guarantee the validity of an incorrect or outdated address.
- prevent the recipient from contesting the legal scope of the mail.
Cancellation Digit: Easy Method
What is Digit
Overview
Digit is a technology-first insurance provider in India offering life, health, motor and add-on covers through digital channels. It provides flexible plans, quick online purchases, and add-on covers such as standalone cancellation cover and device insurance through a DigitInsure storefront.
Products covered in this guide
This guide covers cancellation processes and refund rules for Digit Life Insurance (term life), Digit Health Insurance, DigitInsure (mobile/device plans via digitinsure.co.in), and the Standalone Cancellation Cover (travel ticket add-on).
How to cancel Digit
Digit Life Insurance (Term Life) - steps
- Locate your policy document and policy number before contacting support.
- Contact Digit Life via email at life@godigit.com, phone at 1800‑296‑2626, or WhatsApp on 99601‑26126 to request cancellation.
- Follow any instructions from the life team and submit required documents for free-look or cancellation processing.
Digit Health Insurance - steps
- If within the free-look period, call customer support at 1800‑258‑5956 to initiate cancellation.
- Share policy number, personal details and reason for return; submit any requested documents.
- Await confirmation and refund details as per the policy terms.
DigitInsure (mobile/device) - steps
- For purchases via digitinsure.co.in, cancel within the allowed window: within 3 days of purchase (or within 24 hours for processing/partial paid orders).
- Visit the refund/returns page at digitinsure.co.in/refund_returns for the cancellation form and instructions.
- Expect a deduction of 20% and refund within 4 - 5 days if eligible.
Standalone Cancellation Cover (travel add-on) - steps
- Cancellation is generally not refundable; initiate any claim or cancellation through the SmartBuy concierge or the channel through which the add‑on was purchased.
- Follow the add-on’s claim/cancellation flow; refunds (if any) are handled per the policy terms and charges.
What happens when you cancel
Policy access and coverage
When cancellation is accepted coverage ends from the effective cancellation date specified by Digit. Claims made after that date will not be accepted under the cancelled policy.
Policy records and data
Digit retains policy records and may keep personal data as required by law and for regulatory or audit purposes. You can request policy termination confirmation and account details from customer service.
Will I get a refund?
Life and Health (free-look) - general rule
Yes - under the IRDAI free-look rules (extended April 2024), life and individual health policies have a 30‑day free-look window to return unwanted or mis-sold policies.
Refunds in free-look are subject to deductions such as proportional risk premium, stamp duty and medical examination costs.
DigitInsure and Standalone Cover - exceptions
- DigitInsure (device/mobile) - refundable if cancelled within allowed window; 20% deduction applies and refund is typically processed within 4 - 5 days.
- Standalone Cancellation Cover (travel add-on) - generally no refund for cancellations by the insured or insurer; check the add-on’s policy wording for specifics.
Digit plans and pricing
Available subscription plans (Digit Magazine)
Below are Digit Magazine subscription prices verified for India. These are magazine subscriptions and not insurance product prices.
Pricing table
| Plan | Price (INR) | Period | Features |
|---|---|---|---|
| 3‑month Digital Subscription (Digit Magazine) | ₹249 | 3 months | 3 digital issues; Fast Track; dmystify; e‑DVD |
| 6‑month Digital Subscription (Digit Magazine) | ₹449 | 6 months | 6 digital issues; Fast Track; dmystify; e‑DVD |
| 1‑year Digital Subscription (Digit Magazine) | ₹699 | 12 months | 12 digital issues; archive access; Fast Track; dmystify; e‑DVD |
| 6‑month Print + FT & eDVD (Digit Magazine) | ₹999 | 6 months | Print edition; Fast Track; e‑DVD |
| 1‑year Print + FT & eDVD (Digit Magazine) | ₹1,999 | 12 months | Print edition; Fast Track; e‑DVD |
| 1‑year Print without FT & eDVD (Digit Magazine) | ₹1,299 | 12 months | Print edition (no Fast Track / e‑DVD) |
Your consumer rights in India
Free-look period under IRDAI
From 1 April 2024 IRDAI requires a 30‑day free-look period for life and individual health insurance policies, uniform across online and offline sales channels.
During free-look you may return a policy and receive a refund subject to allowable deductions.
Refund timing and allowable deductions
- Refunds for returned life and health policies should be processed promptly - guidance and insurer practice indicates processing within 7 days for life policies.
- Permitted deductions include proportional risk premium for coverage period, stamp duty and medical exam fees. For ULIPs, unit repurchase rules apply.
These requirements come from IRDAI regulations (Protection of Policyholders’ Interests and related master circulars). For a plain‑language summary see the Financial Press coverage linked below.
Customer experiences
What customers praise
Some customers appreciate Digit’s online-first buying experience and simple purchase flows for standard covers. Digital channels and instant policy issuance are cited positively in some feedback.
Common complaints and trends
Public reviews show consistent complaints about claim delays, inspection scheduling, refund processing delays and service responsiveness. TrustPilot reviews show low average ratings; common themes include slow claim handling and difficulty contacting support.
When evaluating cancellation, consider documented timelines and keep records of all communications.
Documentation checklist
Documents to have ready
- Policy document and policy number (mandatory).
- Proof of identity (Aadhaar, PAN or passport) and contact details.
- Bank account details or cancelled cheque for refund processing.
- Reason for cancellation and any supporting documents (medical reports, purchase receipt).
When filing claims or add-on cancellations
- For device insurance: purchase invoice, IMEI/serial number, copy of cancellation request.
- For travel/add-on: ticket/booking reference and SmartBuy concierge correspondence if applicable.
Common mistakes
Missing or late action
Waiting beyond the permitted free-look or cancellation window is a frequent mistake. Once the window closes, refunds may be reduced or unavailable.
Always check the exact date of receipt/issuance on your policy document and act promptly.
Poor documentation and wrong contact channel
Not having the policy number, correct bank details, or sending requests to unofficial channels causes delays. Use the official email/phone/website routes listed in this guide.
Example: submitting a life-policy refund request to a non-life support channel can lead to misrouting and delay.
Comparative recap
Quick comparison
| Product | Cancellation window | Refund | How to cancel |
|---|---|---|---|
| Digit Life Insurance (Term Life) | 30 days free-look from receipt of policy | Yes - refund within ~7 days after deductions (risk premium, stamp duty, medical exam) | Email: life@godigit.com, Phone: 1800‑296‑2626, WhatsApp: 99601‑26126 |
| Digit Health Insurance | 30 days free-look (IRDAI) - Digit internal FAQ notes 15 days in some pages; follow policy document | Refund possible only during free-look; after that partial or no refund per terms | Customer support: 1800‑258‑5956; follow policy instructions |
| DigitInsure (mobile/device) | Within 3 days of purchase (24h for processing/partial paid orders) | Yes - full refund minus 20% deduction; processed within 4 - 5 days | Use refund/returns page: digitinsure.co.in/refund_returns |
| Standalone Cancellation Cover (travel add-on) | No standard free refund window for cancellations by insured | Generally no refund; claims processed via SmartBuy concierge per policy charges | Initiate via SmartBuy concierge or the channel used to purchase the add-on |
After cancelling
What to expect next
After you submit a cancellation request, request written confirmation with the effective cancellation date and refund amount (if applicable).
Keep copies of all emails, chats and transaction IDs until refunds are received and reconciled.
Useful links and contacts
- Digit Life customer service: godigit.com/life/customer-service
- Digit Health FAQ and support: godigit.com/health-insurance/frequently-asked-questions
- DigitInsure refund & returns: digitinsure.co.in/refund_returns
- IRDAI free-look explanatory article: Economic Times summary of IRDAI rule
- Customer reviews and experience snapshot: TrustPilot - Digit reviews
Address
Corporate / Grievance Redressal Office (Primary)
Atlantis, 95, 4th B Cross Road, Koramangala Industrial Layout, 5th Block, Bengaluru 560095, India.
Use this address for escalation and formal grievance communications if required by your policy documents.
Registered office (check your policy)
Your policy document lists the registered office applicable to your contract (some documents reference a Pune registered office as an alternative). Refer to the physical address in your policy if different.