Неограничен абонамент Postclic: промоция на Rs 92,44 за 48ч със задължителен първи месец на Rs 5.032,79, след това Rs 5.032,79 на месец без ангажимент
Прекрати PRUDENTIAL
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С настоящото ви уведомявам за решението си да прекратя договора, свързан с услугата Prudential.
Това уведомление представлява твърдо, ясно и недвусмислено намерение за анулиране на договора, влизащо в сила на възможно най-ранната дата или в съответствие с приложимия договорен срок.
Моля, предприемете всички необходими мерки за:
– прекратяване на всякакво таксуване от датата на влизане в сила на анулирането;
– писмено потвърждение за правилното обработване на тази заявка;
– и, ако е приложимо, изпращане на окончателното извлечение или потвърждение за салдото.
Това анулиране ви се изпраща чрез сертифициран имейл. Изпращането, клеймото за време и целостта на съдържанието са установени, което го прави доказателствен документ, отговарящ на изискванията за електронно доказване. Следователно разполагате с всички необходими елементи, за да продължите с редовната обработка на това анулиране, в съответствие с приложимите принципи относно писменото уведомление и договорната свобода.
В съответствие с правилата за защита на личните данни, също така изисквам:
– изтриване на всички мои данни, които не са необходими за вашите законови или счетоводни задължения;
– закриване на всеки свързан личен акаунт;
– и потвърждение за действителното изтриване на данните съгласно приложимите права за поверителност.
Запазвам пълно копие от това уведомление, както и доказателство за изпращане.
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- guarantee the validity of an incorrect or outdated address.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 Prudential: Easy Method
What is Prudential India
Overview
Prudential India (Prudential Assurance / Prudential Systems) provides life insurance products intended to offer financial protection and long-term savings solutions to individuals and families in India.
The company distributes policies through digital channels, agents, and corporates, and issues policy documents and customer support through its official website and service teams.
Scope of this guide
This guide explains how to cancel a Prudential policy in India, what to expect on refunds, required documents, common pitfalls, and next steps after cancellation.
Regulatory points cited here reference IRDAI-mandated consumer protections and publicly reported summaries.
How to cancel Prudential India
Cancel during the free-look period (first 30 days)
- Contact Prudential customer service via the support channels listed on your policy documents or the official site.
- Explain you wish to cancel under the IRDAI free-look provision and request confirmation of cancellation and refund.
- Provide your policy number, name, date of receipt of policy document, and any identification requested.
Cancel after the free-look / mid-term cancellation
- Inform Prudential in writing (email or physical letter) that you wish to cancel the policy; no reason is required under IRDAI rules.
- If your policy has auto-debit / ECS, instruct the insurer to stop future collections and confirm the date of termination.
- Request a statement showing the calculation of any refund for the unexpired period (if applicable) and confirmation that no claims are pending.
What happens when you cancel
Policy access and services
Access to policy benefits and coverage stops from the effective cancellation date specified by Prudential.
Digital services (customer portal, mobile app) may retain read-only copies of policy documents for your records.
Renewal, auto-debit, and records
Auto-debit or ECS instructions should be stopped by the insurer after cancellation; confirm in writing to avoid future debits.
Prudential should provide a written confirmation of cancellation and a final financial statement showing refunds or charges applied.
Will I get a refund?
Refunds during the free-look period
IRDAI mandates a 30-day free-look period for life and new individual health policies from the date you receive the policy document.
Within this period, you are entitled to a refund of premium subject to deductions for proportionate risk premium, medical exam costs, and stamp duty. The insurer must process the refund within 7 days.
Refunds after the free-look period
After the free-look period, you may cancel any time and are entitled to a refund of the proportionate premium for the unexpired period only if no claim has been made.
The insurer will calculate unearned premium and any applicable deductions; if a claim has been made, refunds may not be available.
Prudential India plans and pricing
Available pricing information
No definitive India-specific public pricing for Prudential's life insurance plans was found in the reviewed sources.
The only verified third-party pricing available relates to a separate Pulse by Prudential telehealth service in Singapore; India pricing should be confirmed with Prudential India directly.
How to get exact pricing
- Contact Prudential India customer support or your agent for plan-specific premiums and charges.
- Request a written premium schedule and any fees that apply on surrender or cancellation.
| Plan | Price | Period | Features |
|---|---|---|---|
| Doctor Video Consultation (Pulse by Prudential - Singapore) | S$15 per consultation | Per session | 24/7 video consultation via Pulse app (Singapore). India pricing not publicly available; contact Prudential India for local rates. |
| Prudential India life plans | Contact for pricing | Contact for pricing | Premiums and surrender values vary by plan, term and sum assured; request a written quote from Prudential India. |
Your consumer rights in India
Free-look and refund rights
You have a 30-day free-look right for life and new individual health policies from the date you receive the policy document.
Refunds during free-look must be processed within 7 days and may exclude proportionate risk premium, medical exam fees, and stamp duty.
Mid-term cancellation and grievance redressal
Policyholders may cancel any time after free-look and are entitled to refund of the unexpired premium if no claim has been made.
If unresolved, escalate to Prudential’s Grievance/Customer Complaints Cell and then to IRDAI or the Insurance Ombudsman; a Customer Information Sheet (CIS) must be provided by the insurer.
Customer experiences
Positive feedback
Employee and public reviews include positive notes on income opportunities, flexible hours, product quality and training in some Prudential teams.
Sources such as Glassdoor and AmbitionBox show favourable comments on certain aspects like earnings and management in pockets.
Negative feedback and common complaints
Reported issues include concerns about customer service, delayed or problematic surrender/claim settlements, and occasional reports of unethical sales practices in the industry.
Some review platforms and forums report distrust arising from aggressive sales tactics or fraud impersonations; evaluate offers carefully and verify communications.
Documentation checklist
Before you submit a cancellation
- Policy document (original or policy number and copy)
- Proof of identity (Aadhaar, PAN, passport, or as requested)
- Bank details for refund (cancelled cheque or bank statement)
Supporting documents for specific cases
- Written cancellation request or signed form provided by the insurer
- Evidence of no claims made (if requested)
- Communication records with insurer (emails, chat transcripts)
Common mistakes
Not documenting cancellation requests
Failing to get written confirmation of cancellation or a final statement can lead to disputes about refunds and future debits.
Always keep copies of emails, forms, and reference numbers provided by Prudential.
Assuming immediate refund without checking deductions
Refunds during free-look exclude proportionate risk premium, medical exam fees and stamp duty. Not accounting for these deductions can cause surprise.
Also confirm that auto-debit/ECS has been stopped to avoid unintended premium withdrawals after cancellation.
Comparative recap
Key points at a glance
Use this table to compare core cancellation and refund points for Prudential India versus regulatory expectations.
The table summarizes free-look duration, refund timing and mid-term cancellation entitlements.
| Feature | Prudential India (what to expect) | Regulatory / Industry standard |
|---|---|---|
| Free-look period | 30 days from receipt of policy document | 30 days (IRDAI mandate) |
| Refund processing time (free-look) | Insurer to process refund within 7 days of cancellation request | 7 days (IRDAI requirement) |
| Refund after free-look | Proportionate premium for unexpired period if no claim made | Policyholders entitled to unearned premium refund; no reason needed to cancel |
| Pricing transparency | Plan-specific pricing available on request from Prudential India | Insurers must disclose premium and surrender calculations on request |
After cancelling
Confirmations to obtain
- Written cancellation confirmation and refund calculation from Prudential.
- Proof that auto-debit/ECS has been stopped.
Further steps and escalation
If your cancellation or refund is delayed or disputed, first use Prudential’s grievance cell and retain all correspondence.
If unresolved, you may escalate to IRDAI or the Insurance Ombudsman. For regulatory summaries and consumer rights see the links below.
Helpful references:
- Economic Times - free-look rule
- Moneylife - cancellation and refund summary
- AnnuityRisk - IRDAI directives
Address
Prudential India head office
109, Sukhdev Vihar, New Delhi 110025, India
For cancellations, use the customer service channels or the contact details on your policy document to initiate the process and request written confirmation.