1. Purpose

This policy outlines the conditions under which users may request a refund or cancellation for payments made via the Health Saathi platform It aims to provide transparency, fairness, and clarity to all users and members.

2. Applicability

This policy applies to:

• Membership fees paid by users
   
• Voluntary donations or contributions (if enabled)
   
• Partner onboarding fees (if applicable in future)

3. General Conditions for Refund

A refund may be considered under the following circumstances subject to verification and approval by AIMYM:

• Duplicate payment made due to a technical error
   
• Wrong membership category selected by mistake (with immediate notice)
   
• User initiates cancellation within 24 hours of payment and before availing any benefit
   
• Technical failure where the membership was not activated despite payment

4. Non-Refundable Cases

Refunds will not be provided in the following cases:

• Membership already activated and discounts/services used
   
• Request raised after 24 hours from the time of payment
   
• Referral code misuse or incorrect data entry by the user
   
• Services denied by a third-party partner (e.g., hospital) due to their internal policy
   
• No-shows or inactivity by the user
   

📌 All Health Saathi plans are subsidized and community-backed, hence non-refundable once benefits are utilized.

5. Cancellation Process

To cancel a membership or payment:

1. Email us at support@aimym.healthsaathi.org with:
    
   • Registered Name and Mobile Number
      
   • Date of payment and transaction ID
      
   • Reason for cancellation or refund
      
2. Or use the "Cancel Membership" feature in the app
    

⏱️ Refund-eligible requests are processed within 7–10 working days after validation.

Submission of a cancellation or refund request does not guarantee approval. AIMYM reserves the right to reject claims that do not meet the policy terms.

6. Refund Mode

Refunds (if approved) will be processed to the original payment method only, such as:

• UPI
   
• Credit/Debit Card
   
• Net Banking
   
• Wallet

No cash refunds will be made.

Actual credit to the user's account may vary based on the bank/payment provider's processing time.

7. Dispute Resolution

If you are not satisfied with the outcome of a refund request, you may escalate the matter to:

📧 grievance@aimym.healthsaathi.org
📞 [Insert helpline]
Your concern will be reviewed in accordance with our Grievance Redressal Policy. Escalated disputes will be acknowledged within 3 working days and resolved within 15 working days.

8. Policy Updates

This Refund & Cancellation Policy may be updated from time to time at the sole discretion of AIMYM. Updates will be posted on the official websites and the Health Saathi app. Users must review this policy periodically.