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 [email protected], 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

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

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.