Cancellation and Refund Policy

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This cancellation and refund policy ("Policy'') governs the cancellation of your membership with COGNATE HEALTH SERVICES PRIVATE LIMITED, a company incorporated under the Companies Act, 2013 of India, having its corporate office at Plot No- Y 9-10 2nd Floor Vipin Garden Main Nazafgarh Road Near-:Metro Piller No-801 New Delhi-110059 ("COGNATE HEALTH SERVICES'') and of the membership card issued by COGNATE HEALTH SERVICES ("Healthcare Package Membership''), as well as the refund of the fees paid by you towards purchase of such Preventive Health Care Plan ("Membership Fees'').

In the event that you wish to cancel the Healthcare Package Membership and your membership with COGNATE HEALTH SERVICES, you shall be required to intimate the same to COGNATE HEALTH SERVICES by calling COGNATE HEALTH SERVICES inbound or by sending an email to within 14 (fourteen) days of receipt of the Healthcare Package Membership by you. You shall further be required to return the Healthcare Package Membership and all documents and other items provided to you along with the Healthcare Package Membership ("Healthcare Package Membership Welcome Pack'') by mailing the aforesaid to COGNATE HEALTH SERVICES C/O Cancellation Department at Plot No- Y 9-10 2nd Floor Vipin Garden Main Nazafgarh Road Near-:Metro Piller No-801 New Delhi-110059.

(I) Discontinue the Healthcare Package Membership issued to you and your membership with COGNATE HEALTH SERVICES with immediate effect; and (ii) Issue a refund of the amount paid by you as Membership Fees. On Cancellation as aforesaid, COGNATE HEALTH SERVICES shall intimate you of the fact of such Cancellation and shall inform you of the method of refund of your Membership Fees. Such Cancellation shall be subject to the following terms: Cancellations shall be considered only if (i) a valid request is made in this regard within 14 (fourteen) days of receipt of the Healthcare Package Membership by you, and (ii) the entire Healthcare Package Membership's Welcome Pack is returned to COGNATE HEALTH SERVICES within 14 (fourteen) days of receipt of the cancellation request as aforesaid. For calculation of the aforesaid periods, the records of dispatch, delivery and communications available with COGNATE HEALTH SERVICES shall be considered final. service@Cognatehealthorganisation.com purchased the Healthcare Package Membership under any celebratory / festive offer, or any special / discounted offer of any kind whatsoever. No cancellation shall be carried out if you have purchased the Healthcare Package Membership under any interest free easy monthly installment (EMI) option offered by COGNATE HEALTH SERVICES.

No cancellation shall be carried out if you have in any way availed any of the benefits available under the Healthcare Package Membership prior to confirmation of cancellation by COGNATE HEALTH SERVICES. In the event a request for cancellation is received by COGNATE HEALTH SERVICES after dispatch of the Healthcare Package Membership's Welcome Pack to you, COGNATE HEALTH SERVICES shall deduct an amount of Rs. 1,000 (Rupees one thousand only) or 10% of the membership fee whichever is higher from your membership fees and only the balance shall be refunded to you as part of the cancellation. In the event a request for cancellation is received by COGNATE HEALTH SERVICES after a positive welcome call to you, COGNATE HEALTH SERVICES shall refund up to a maximum of 50% of the membership fee of your membership fees only. All cancellations as approved by the COGNATE HEALTH SERVICES's management as per their discretion shall ordinarily be processed within 30 days of receipt by COGNATE HEALTH SERVICES of the Healthcare Package Membership's Welcome Pack. In case of no contact post approval, the 30 days may get extended.

In the event the entire Healthcare Package Membership's Welcome Pack is not received by COGNATE HEALTH SERVICES within 14 (fourteen) days of receipt of a valid request for cancellation by COGNATE HEALTH SERVICES, COGNATE HEALTH SERVICES shall deduct an amount of Rs. 2,500/- (Rupees two thousand five hundred only) or up to 50% of the membership fee whichever is higher from your Membership Fees and only the balance shall be refunded to you as part of the cancellation. Credit of the membership fees to your bank account / credit card account upon cancellation and refund by COGNATE HEALTH SERVICES shall be as per policies and timelines followed by the banks involved and COGNATE HEALTH SERVICES shall not be responsible for any delays in this regard. You are understood to have read and agree to abide by this Agreement. All information in this communication is correct & updated as per March-2017 and is subject to change at the discretion of COGNATE HEALTH SERVICES. This agreement shall form an integral part of the terms and conditions governing the use of the Healthcare Package Membership available on www.cognatehealthorganisation.com

Important Refund Note

In case no contact is established with the member(s) by Cognate Health Services’s central retention team for membership cancellation request, the cancellation process will be put on hold till further contact can be established. » Cancellation/ refund will be processed only upon receipt / return of the purchased membership kit (unused) by Cognate Health Services. » In case there are multiple ongoing dialogues between Cognate Health Services and the member(s), there may be few instances wherein the

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