Refund & Cancellation Policy

1. Purpose

This policy outlines the conditions under which Beneficiaries may request consideration of 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.

"Beneficiary" shall mean the users who have duly paid the fee for the Health Saathi Membership.

All the parts of the Policies are to be construed harmoniously. However, in case of a conflict between the Terms/Privacy Policy and this Policy, the former shall prevail on all matters. For all other conflicts in any part of the Policies, the Terms shall prevail.

2. Applicability

This policy applies to:

• Health Saathi Membership fees paid by Beneficiaries
• Voluntary donations or contributions, which are non-refundable
• Partner onboarding fees (if applicable in the future)

3. General Conditions for Refund

A refund may be considered at the sole discretion of AIMYM 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:

• Health Saathi Membership once activated or deemed activated
• Request raised after 24 hours from the time of payment
• Referral code misuse or incorrect data entry by the Beneficiary
• Services denied by a third-party service provider (e.g., hospital) due to their internal policy
• No-shows or inactivity by the Beneficiary.

5. Cancellation Process

To cancel a membership or payment:

• Email us at support@aimym.healthsaathi.org with:
  • Registered Name and Mobile Number
  • Date of payment and transaction ID
  • Reason for cancellation or refund
• 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 terms of this policy.

6. Refund Amount and Mode

Refund amount, if approved, shall be limited to only the Health Saathi fees paid to AIMYM minus any admin expenses (if any).

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 Beneficiary'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 after exhausting internal review to:

📧 support.healthsaathi@aimym.org

Your concern will be reviewed in accordance with our Grievance Redressal Policy. Escalated disputes will be acknowledged within 7 calendar days and resolved within 30 calendar days, which can be further increased based on the nature of the dispute and availability of resources to resolve the dispute.

8. Policy Updates

This Refund & Cancellation Policy may be updated from time to time at the sole and absolute discretion of AIMYM. Updates will be posted on the official websites and the Health Saathi app or any other mode deemed fit. It shall be used to review it from time to time for their understanding of usages.

Last updated on: April 9, 2026