Refund Policy

REFUND POLICY – WELLNESS OPD BENEFIT PLAN

1. Cooling-Off / Free-Look Period (3 Days Only)

A customer may cancel the plan within 3 days from the date of purchase only if the benefits have NOT been used and no OPD wellness has been accessed, booked, redeemed, or utilized in any form.

If eligible:

• 100% Refund of the plan amount (excluding taxes).
• GST is non-refundable as per Government compliance; GST amount will be deducted.
• After the 3-day period, no cancellation and no refund will be allowed, regardless of reason.

2. No Refund After Any Usage

If the customer uses any single wellness benefit—including:

• Doctor consultation
• Lab test
• Medicine wellness
• Home-care service
• Any appointment booking
• Any digital transaction or initiated request

Then refund is permanently disabled, even if usage was partial, mistaken, by family member, or system-generated.

3. Partial Refund After 3 Days (If Completely Unused)

If the plan is completely unused after the 3-day window:

• Only 50% refund will be allowed within the first 15 days.
• After 15 days, strictly no refund.
• GST will still be non-refundable.

4. GST & Tax Compliance

• All refunds follow GST law.
• GST is never refundable because it is deposited with the Government.
• The customer receives a tax invoice on purchase; refund entries will be recorded in books.
• Any TDS deducted from corporate partners will not be refunded.
• This protects you during audits.

5. Anti-Fraud & Misrepresentation Rules

Refund is immediately denied if the customer:

• Provides fake prescriptions, fake lab reports, or misleading information
• Creates false claims to demand cancellation
• Attempts to exploit system loopholes
• Misuses the refund policy to gain free service
• Raises “I didn’t use the plan” while records show activity

Your system logs + timestamps + IP + OTP = legal protection.

6. Chargeback Protection (Online Payments)

If a customer initiates a chargeback after using any service:

• Legal notice can be sent
• Access to the plan is blocked
• All benefits revoked
• Advisor commission is protected; company recovers recovered funds but does NOT touch advisor payout
• Company submits usage logs + IP logs + call recordings to payment gateway

This defeats fraudulent chargeback attempts.

7. Advisor Commission Protection Clause

Once a sale is completed:

• Advisor commission is locked after 3 days
• If customer uses any service, advisor commission stays untouched
• Refunds (if applicable) are fully borne by the company, NOT recovered from advisor
• Advisors are protected from customer-driven misuse
• This keeps your field force loyal and motivated.

8. Corporate & Bulk Purchase Refund Rules

For corporate clients:

• No refund once onboarding begins
• No refund after bulk activation
• Contract-based mid-term cancellations are prohibited
• Employee additions/removals follow separate billing cycles
• This protects B2B revenue.

9. Force Majeure / Exceptional Cases

No refund will be permitted under:

• Change of mind
• Financial issues
• Moving to another city
• No longer wanting the plan
• No longer needing OPD benefits
• Slow usage or lack of usage
• Family disagreement
• Any non-technical personal reasons

The plan is subscription-based, not pay-per-use.

10. Company Error-Based Refunds (Rare)

A refund may be issued ONLY if:

• The plan was duplicated due to a system error
• Payment was deducted twice
• Service was not activated within 48 hours due to a technical fault

These must be verified through CRM logs.

11. Final Decision Authority

All refunds are governed strictly by this policy. Company management’s resolution is final and binding.