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I hereby notify you of my decision to terminate the contract relating to the Aviva 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- guarantee the validity of an incorrect or outdated address.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 Aviva: Easy Method
What is Aviva
Overview
Aviva refers to Aviva Life Insurance Company India Ltd., a life and health insurer offering a range of products including term, unit-linked (ULIP), child and health-related solutions in India.
The company provides policy documents, customer support and online resources for servicing and cancellation through its India website.
Scope of this guide
This guide explains how to cancel Aviva policies in India, what refunds and timelines to expect, and the documents you will need for the process.
It summarises consumer rights under Indian norms and practical steps to avoid common issues when cancelling.
How to cancel Aviva
Cancel during the free-look period
- Submit a duly filled payout / cancellation form to Aviva within the free-look period (starts from delivery of policy documents).
- Include the original policy document and required supporting documents listed below.
- For NRIs, include the CRS/FATCA addendum as required.
Cancel after issuance or before issuance
- If cancellation is requested before policy issuance, application money will be refunded after deducting medical examination expenses.
- If cancellation is done after issuance, the refund is processed after deducting medical and stamp duty expenses and any proportionate risk premium (as applicable).
- Send documents to the address or channel specified by Aviva; check Aviva FAQs for submission details.
What happens when you cancel
Policy status and access
Once cancellation is accepted, the policy is treated as void from inception under free-look rules, subject to deductions.
Access to policy benefits and riders ends when cancellation is processed and confirmed by Aviva.
Records and data
Aviva retains records of the cancellation transaction for regulatory and audit purposes as per company policy and applicable law.
Keep copies of all forms, acknowledgement receipts and any communication until the refund is received and reconciled.
Will I get a refund?
How refunds are calculated
Refunds in the free-look include the premium paid minus proportionate risk premium, medical examination expenses and stamp duty.
For ULIP policies, NAV fluctuations or other product-specific adjustments may affect the refund amount.
Timelines and special cases
- Aviva states the turnaround time for free-look cancellation and refund is within 7 working days from the underwriting decision.
- GST paid in advance (for premiums due on or after Sep 22, 2025) will be refunded following standard refund timelines.
- NRIs must submit CRS/FATCA addendum; missing documents can delay refund processing.
Aviva plans and pricing
General pricing note
Aviva sells insurance plans (term, health, ULIP, child plans) where premiums vary by age, sum assured, policy term and product options.
No fixed, universal prices for all customers were found; please contact Aviva for personalised quotations.
Example items
| Plan / Item | Price / Note |
|---|---|
| Aviva Wellness360 app | Free (listed as 'Free' on the Indian App Store) |
| Life / Health / ULIP insurance plans | Contact for pricing (premiums depend on age, sum assured and plan options) |
Your consumer rights in India
Free-look period rights
Indian IRDAI regulations provide a free-look period (generally 30 days) from delivery of policy documents to cancel and receive refund subject to specified deductions.
Aviva’s cancellation policy for free-look aligns with these regulatory norms.
Refund timing and NRI requirements
- Refunds during free-look must be processed within 7 working days as per Aviva’s stated turnaround time.
- NRIs are required to submit CRS/FATCA addendum for tax/jurisdiction compliance when cancelling or availing refunds.
- GST refunds for advance premiums (for premiums due on or after Sep 22, 2025) are applicable and processed per standard timelines.
Customer experiences
Positive feedback
Some users report quick service, responsive staff and satisfactory plan features, particularly for ULIP plans and renewal processes.
Positive comments highlight helpful executives and timely processing in select cases.
Negative feedback
Other customers report difficulties such as poor customer support, misinformation, telephonic pressure and delays in cancellation or refunds.
There are cases describing disputes over the date of receipt of policy documents leading to contested free-look claims; keep records to prevent such problems.
Documentation checklist
Essential documents
- Duly filled payout / cancellation form (signed by policyholder).
- Original policy document.
- Identity proof (as specified by Aviva).
- Recent passport-sized photograph.
- Bank details: cancelled cheque or bank passbook copy for refund transfer.
Additional documents for special cases
- NRIs: CRS/FATCA addendum for tax and jurisdiction compliance.
- If change of nominee or other disputes exist, include supporting legal documents as requested by Aviva.
Common mistakes
Missing or incomplete forms
Submitting incomplete or unsigned payout/cancellation forms is a frequent cause of delay. Always double-check all fields and signatures.
Attach clear copies of identity and bank documents to avoid back-and-forth requests from Aviva.
Poor proof of delivery and timing disputes
Not keeping proof of delivery or receipt of policy documents can lead to disputes about free-look eligibility and the relevant start date.
Retain courier receipts, email timestamps or delivery acknowledgements to support your cancellation timeline.
Comparative recap
Feature comparison overview
| Feature | Aviva | Regulatory / Notes |
|---|---|---|
| Free-look period | Offers free-look (aligns with standard practice) | IRDAI generally prescribes 30 days from delivery of policy documents |
| Refund timeline | Refund within 7 working days from underwriting decision | Matches typical IRDAI refund turnaround expectations |
| NRI requirements | CRS/FATCA addendum required for NRIs | Required for tax & jurisdiction compliance in cross-border cases |
| Refund components | Premium minus proportionate risk premium, medical exam costs and stamp duty | Standard deductions commonly applied across insurers |
After cancelling
What to check
After cancellation, confirm the refund amount, the refund transfer date and any deductions applied by Aviva.
Keep acknowledgement receipts and bank statements showing the refund for your records.
Helpful official links
Address
Primary mailing address
Aviva Life Insurance Company India Ltd., Aviva Tower, Sector 43, Opposite DLF Golf Course, Gurgaon 122003, India.
Note
Send cancellation forms and original documents to the address or submission channel specified in Aviva communications.
If in doubt, contact Aviva customer support through the official website before dispatching originals.