Manage Daman

How to cancel daman insurance and subscriptions in india

Understanding daman and why you might cancel

Daman is a health and travel insurance brand that offers policies and subscription services through its website and mobile apps, including travel plans like Ziyarah and health-related subscriptions. If you've purchased cover through Daman or signed up for a subscription, you have the right to cancel at any time. Whether you've found better coverage elsewhere, no longer need the policy, or simply want to stop recurring charges, Stopee is here to guide you through the exact cancellation process for your specific purchase channel.

How daman delivers its products

Daman sells insurance and subscriptions through multiple channels: its own website, Apple App Store (iOS), and Google Play Store (Android). Your cancellation method depends entirely on where you bought your policy or subscription. If you purchased through an app store, Apple or Google controls your billing and cancellation. If you bought directly from Daman's website, you cancel through your Daman account. Understanding your purchase channel is the first step to cancelling quickly and avoiding unnecessary delays.

Why cancellation timing matters

For travel insurance policies like Ziyarah, your cancellation date relative to the policy start date (inception) determines whether you receive a refund. Most insurance policies do not offer refunds once they have begun, but some allow cancellations before the coverage starts. For subscriptions, cancelling before your next billing date stops future charges but typically does not recover the most recent payment. Stopee recommends checking your policy documents or subscription confirmation email to confirm your start date and billing cycle.

Your consumer rights under indian law

As a consumer in India, you are protected by the Consumer Protection Act, 2019, which gives you the right to cancel insurance policies and subscriptions within certain timeframes.

The free-look period for insurance

Insurance policies sold in India typically include a free-look period (usually 14-30 days from the date of purchase or policy inception, whichever is later). During this window, you can cancel your policy and receive a full refund of the premium minus any applicable taxes or administration fees. This applies to travel insurance policies, health subscriptions, and other insurance products. Keep your purchase confirmation and policy documents to prove your eligibility for the free-look refund.

Consumer grievance redressal

If Daman refuses to process your cancellation or refund without valid reason, you can escalate your complaint to the Insurance Regulatory and Development Authority of India (IRDAI). The IRDAI handles disputes between consumers and insurance companies in India. You can file a complaint online at irdai.gov.in or contact your state consumer commission. Stopee advises documenting all communication with Daman before escalating, as this strengthens your case.

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 just a few steps.

Step-by-step website cancellation

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.
2. Navigate to your account dashboard or profile section.
   • Look for tabs labeled "My Policies," "Subscriptions," "Account Settings," or "My Products."
3. Find the specific policy or subscription you want to cancel and click on it.
   • You should see a "Cancel" button or option. If you do not see it immediately, click "Manage" or "View Details."
4. Click the "Cancel" button and confirm your choice when prompted.
   • Daman may ask for a reason for cancellation. You are not obligated to provide one, but doing so helps them improve their service.
5. Wait for an on-screen confirmation message.
   • Pro tip: Screenshot or copy the confirmation number and timestamp. Save this as proof of your cancellation request.
6. Check your registered email for a cancellation confirmation email within 24 hours.
   • Warning: If you do not receive a confirmation email within one business day, log back in and verify that the policy or subscription shows as "Cancelled" or "Inactive."

What to do if the website cancellation option is not visible

Some policies, especially travel insurance plans, may not allow self-service cancellation through the website if the policy has already started. In this case, you will need to contact Daman's customer support team directly via email or phone. Stopee recommends contacting them within the free-look period if you are eligible, as this strengthens your refund claim. Keep your policy number and purchase receipt handy when you reach out.

How to cancel daman if you purchased on apple app store

If you subscribed to a Daman product through Apple App Store on iPhone or iPad, Apple controls your subscription billing, not Daman. You must cancel through Apple's subscription settings.

Cancelling on iOS through apple

1. Open the Settings app on your iPhone or iPad.
   • Do not open the Daman app itself.
2. Tap your name at the top of the Settings screen.
   • If you see "Apple ID" instead, tap that first.
3. Tap "Subscriptions."
   • You will see a list of all active subscriptions on your Apple account.
4. Find and tap the Daman subscription you want to cancel.
   • Look for the product name (e.g., "Daman Health," "Ziyarah," or the specific plan name).
5. Tap "Cancel Subscription" or "Edit" and then "Cancel."
   • If "Cancel" is greyed out, the subscription may have already ended or you may not have the correct permissions on the account.
6. Confirm your cancellation when prompted.
   • Pro tip: Apple will show you the exact date your subscription will expire (usually at the end of your current billing cycle). Mark this date in your calendar to ensure you stop being charged.

Apple refund policy for subscriptions

If you cancel within 14 days of your first subscription payment, Apple may approve a refund to your original payment method. After 14 days, refunds are at Apple's discretion. Contact Apple Support directly at support.apple.com if you believe you are entitled to a refund. Daman cannot process refunds for App Store purchases, so do not email Daman asking for a refund if you used Apple Pay or a credit card through the App Store.

How to cancel daman if you purchased on google play store

If you subscribed through Google Play Store on Android, Google controls your billing. You cancel through Google Play's subscription settings, not the Daman app.

Cancelling on android through google play

1. Open the Google Play Store app on your Android phone or tablet.
   • Tap your profile icon in the top right corner.
2. Tap "Payments and subscriptions."
   • You may see a dropdown menu. Select "Subscriptions."
3. Find the Daman subscription you want to cancel from the list.
   • Subscriptions are usually sorted by status: active, expiring soon, or inactive.
4. Tap on the Daman subscription to open its details page.
   • You will see the billing date, price, and current status.
5. Tap "Cancel subscription."
   • You may be asked to confirm your reason or offered a special discounted rate to keep the subscription. You can decline both.
6. Confirm the cancellation.
   • Pro tip: Google Play will tell you the exact date your access ends (usually the end of the current billing cycle). Your next charge will not go through after this date.

Google play refund eligibility

Google Play typically allows refunds within 48 hours of the first subscription charge. After 48 hours, refunds are not available for subscriptions. If you cancel after this window, your money is gone, so act quickly if you want to recover your payment. Contact Google Support at support.google.com/googleplay if you have a legitimate dispute (e.g., unauthorized charge, duplicate billing). Stopee advises checking your Google Play transaction history to confirm the exact date and amount of your charge.

Travel insurance cancellation for ziyarah and other policies

Daman's travel insurance plans, including Ziyarah, have specific cancellation and refund rules that differ from subscriptions.

Cancellation before policy inception

If you cancel your travel policy before the start date (inception), you may be eligible for a refund, depending on the reason. Daman allows cancellations before inception if you have a valid reason such as visa rejection or medical unfitness. In these cases, Daman will refund the premium minus an administration fee (typically around INR 500-1000 or equivalent) and any taxes already paid. You must provide supporting documentation (e.g., visa rejection letter, medical certificate) to claim the refund.

Cancellation after policy inception

Once your travel policy has started, refunds of the full premium are usually not available under Daman's standard terms. Your coverage runs for the duration stated in your policy (e.g., 7 days, 14 days, or 30 days). If you cancel mid-trip or after the policy has begun, you will not receive a refund, even if you do not use the coverage. This is standard across insurance products in India, but always check your specific policy document to confirm the exact terms.

How to cancel a travel policy

1. Log into your Daman account on the website or contact Daman customer support by email or phone.
   • Have your policy number and purchase date ready.
2. Request cancellation and state your reason if the policy has not yet started.
   • If you are claiming a refund due to visa rejection or medical reasons, attach your supporting documents at this stage.
3. Daman will send you a cancellation confirmation and refund details (if applicable).
   • The refund process typically takes 5-10 business days.
4. Verify that the policy is marked as "Cancelled" in your account dashboard.
   • Warning: Do not assume cancellation is complete until you see this status change or receive a formal confirmation letter.

What happens after you cancel daman

Cancellation is not just about pressing a button; you need to know what comes next.

Immediate access and coverage changes

Once you cancel your subscription, you lose access to any subscription content or benefits immediately or at the end of your current billing cycle (depending on your app store). For insurance policies, your coverage typically ends on the effective cancellation date specified in the cancellation confirmation. If you cancel mid-trip, you will not have insurance protection for the remainder of your journey. Stopee strongly recommends arranging alternative coverage before cancelling active travel insurance.

Automatic renewal and recurring charges

After cancellation, automatic renewal of your subscription will stop. You will not be charged again for that product. However, if you have multiple subscriptions or policies with Daman, only the one you cancelled will stop renewing. Check your account to confirm all products you want to cancel are actually cancelled. Sometimes users cancel one subscription by mistake while another continues to auto-renew.

Account data and records retention

Daman will retain your account information, policy history, and transaction records in its system for compliance and customer service purposes. This data is kept according to Daman's privacy policy and Indian data protection laws. You can request a copy of your cancellation confirmation and policy documents from Daman at any time for your records or for filing claims with other providers.

Refund timelines and payment methods

Understanding when and how you will receive your money is critical after cancellation.

Website purchase refunds

If you purchased directly from Daman's website and are eligible for a refund (e.g., within the free-look period), Daman will process it to your original payment method. If you paid by credit card, debit card, or net banking, the refund appears in your account within 5-10 business days. If you paid by UPI or digital wallet, the refund is typically faster (1-3 days). Stopee recommends contacting your bank if a refund has not appeared after 10 business days, as delays can occur during festival periods or bank holidays.

App store purchase refunds

For Apple App Store and Google Play Store subscriptions, refunds are controlled by the platform, not Daman. Apple processes refunds within 5-7 days for eligible requests. Google Play is faster, usually within 24-48 hours. If your refund is rejected by the platform, you cannot appeal to Daman. Instead, contact Apple Support or Google Support directly with proof of the charge and your reason for the refund request.

Refund amount expectations

Your refund amount depends on the cancellation timing. Within the free-look period, you receive the full premium minus applicable administration fees and taxes. After the free-look period, refund eligibility depends on your reason for cancellation and Daman's specific policy terms. Unused subscription fees are generally not refunded once the billing cycle has started. Review your policy document or confirmation email for the exact refund terms for your product.

Common cancellation mistakes and how to avoid them

Cancelling insurance can feel stressful, especially when multiple payment channels and policies are involved. We understand the frustration of unexpected charges and confusing account dashboards. Here are the mistakes Stopee sees most often.

Mistake 1: cancelling through the app instead of the billing platform

Many users open the Daman app and look for a cancel button there. If you purchased through Apple App Store or Google Play, you will not find a working cancel button in the Daman app. You must cancel through Apple Settings or Google Play, as explained in the step-by-step guides above. Cancelling through the app alone does not stop future charges.

Mistake 2: not checking the policy or subscription start date

For travel insurance, refund eligibility depends on whether you cancel before or after the policy inception date. Many users assume they can cancel and receive a refund at any time, only to discover refunds are not available once coverage has begun. Check your confirmation email or account dashboard for the exact start date before requesting a refund.

Mistake 3: forgetting to cancel recurring subscriptions at app stores

Some users uninstall the Daman app from their phone thinking this cancels the subscription. It does not. The subscription continues to renew and charge you every month until you explicitly cancel it through your app store's subscription settings. Uninstalling an app is not the same as cancelling.

Mistake 4: not keeping cancellation confirmation records

If you do not save your cancellation confirmation number, timestamp, or confirmation email, you have no proof that you cancelled. If a charge appears after cancellation, you cannot prove you tried to stop it. Screenshot or photograph your cancellation confirmation screen and save the confirmation email in a folder.

Mistake 5: cancelling during a claim or dispute

If you have filed a claim with Daman, do not cancel your policy until the claim is resolved. Cancelling while a claim is pending can complicate the outcome. Always settle outstanding claims or disputes before cancellation.

Pricing and plan comparison

Knowing what you are paying for helps you decide whether cancellation is the right choice.

Exact pricing varies depending on your age, location, coverage level, and where you buy (website vs. app store). For the most current rates, visit Daman's website or contact their customer support team. Stopee recommends comparing Daman's prices with other insurers in India to ensure you are getting competitive value before deciding to stay or cancel.

How to contact daman for cancellation support

If you cannot cancel through the website or app, or if you need help with a refund, reach out to Daman customer support directly.

Daman customer service channels

Daman operates primarily through its website and mobile apps. For cancellations and refunds, you should contact their support team via email or through the in-app support chat. Most users find email the most reliable method, as it creates a written record of your request. Look for a "Contact Us" or "Help" section on Daman's website for current contact information and support hours.

What to include in your cancellation request

When contacting Daman, include the following information to speed up processing:

• Your full name and registered email address
• Policy or subscription number
• Date of purchase
• Reason for cancellation (optional but helpful)
• Proof of purchase (confirmation email or receipt screenshot)
• Preferred refund method (original payment source, bank account, etc.)

Send these details in a single, clear email to avoid back-and-forth clarifications. Pro tip: Use a professional tone and be specific about what you want (cancellation, refund, or both). Vague requests like "cancel my account" slow down customer support teams.

Escalation and consumer protection if daman refuses to cancel

Most cancellations are straightforward, but occasionally Daman may deny your request or delay processing without valid reason.

If daman denies your cancellation request

If Daman refuses to cancel your policy or subscription without a legitimate reason, do not give up. Under Indian consumer law, you have the right to cancel and receive a refund within the free-look period. Request a written explanation from Daman stating why they are refusing. This explanation is crucial for escalating your complaint.

Filing a complaint with the insurance regulatory and development authority of india (IRDAI)

If Daman refuses to honour your rights, lodge a formal complaint with the IRDAI at irdai.gov.in. The IRDAI handles grievances between consumers and insurance providers. You will need to provide:

• Your full details and policy number
• Daman's written refusal or explanation
• Your original purchase confirmation
• Proof of all communications with Daman
• Your reason for the complaint

The IRDAI will investigate and direct Daman to comply if your complaint is valid. This process typically takes 4-8 weeks. Stopee advises keeping detailed records of all communication from the moment you request cancellation, as this evidence is essential for any regulatory complaint.

Consumer commission escalation

If the IRDAI process does not resolve your issue, you can file a complaint with your state consumer commission under the Consumer Protection Act, 2019. This is a public legal body that can order Daman to refund you and pay compensation for loss or harassment. File within two years of the dispute for the best chance of success. Engaging a consumer advocate or lawyer at this stage can strengthen your case, though it is not mandatory.

Your cancellation checklist

Use this checklist to ensure you have completed every step correctly and safely.

• Confirmed your purchase channel (Daman website, Apple App Store, or Google Play Store)
• Identified your policy or subscription number and purchase date
• Checked whether you are within the free-look refund period
• Navigated to the correct cancellation location (account dashboard, Apple Settings, or Google Play)
• Clicked "Cancel" and confirmed the action
• Received and saved your cancellation confirmation number and timestamp
• Waited for a confirmation email within 24 hours
• Verified that your policy or subscription shows as "Cancelled" in your account
• Monitored your bank or app store account to confirm no future charges appear
• Documented the cancellation date in your personal records for future reference
• If eligible for a refund, tracked the refund timeline (5-10 business days) and verified receipt
• If no confirmation arrived, contacted Daman support with your reference number within 2 business days

Should you cancel daman or keep it

Before you cancel, ask yourself these questions to confirm it is the right decision.

Cancellation is permanent, so be sure about your decision. If you are on the fence, contact Daman to ask about downgrading to a lower-tier plan instead of cancelling completely. This way, you keep basic coverage without paying full price.

Final steps and what to do after cancellation

You have cancelled successfully. Now protect yourself going forward.

Archive your cancellation records

Save your cancellation confirmation number, email, and proof of cancellation date in a folder (digital or physical). You may need this if a charge disputes arises later or if Daman claims you never cancelled. Keep these records for at least 12 months.

Set a reminder for your new coverage

If you cancelled travel insurance, book alternative coverage before your next trip. If you cancelled a health subscription, note that your health tracking or discounts will no longer be available. Plan your replacement in advance to avoid gaps.

Monitor for unauthorised charges

Check your bank and app store statements weekly for the next month after cancellation. If any charges from Daman appear after your confirmed cancellation date, contact your bank or app store immediately and dispute the charge. Stopee has helped thousands of consumers cancel insurance and resolve billing disputes by catching errant charges early and providing clear documentation to financial institutions.

Leave feedback for daman

If your experience was positive or negative, consider leaving a review or feedback with Daman. This helps the company improve and informs other consumers about their service quality. Honest feedback, whether praising good customer service or flagging delays, contributes to a healthier insurance marketplace in India.

Summary and next steps

Cancelling Daman insurance or subscriptions is straightforward once you know your purchase channel and refund eligibility. Whether you purchased on the website, Apple App Store, or Google Play Store, your cancellation method is different, but all can be completed in minutes. You have consumer rights under Indian law, including the free-look refund period and access to regulatory complaint bodies like the IRDAI if Daman refuses to honour your cancellation. The key is to act quickly, document everything, and monitor your account for 30 days after cancellation to catch any errant charges. Stopee is your partner in understanding these processes and advocating for your rights as a consumer in India. If you encounter delays, refusals, or billing errors, escalate to the IRDAI or your state consumer commission without hesitation. You deserve clarity, respect, and fair treatment when you cancel.