[Resolved]  Icici Lombard — Cheating the customers

I was the employee of MNC and have health card (ICICI Lombard), payments through credit card only.
The facilities of Lombard are similar to company facilities so, I feel to cancel the card.

At the time of cancellation they are telling like:
1. cancellation u have to pay 2800/-
2. I[censored] don’t want to pay continue the policy
(Note: now I am continuing the policy, there is no other option.)

I was really shocked the reason is: every month I paid Rs. 280/- (6months means nearly 1680/-) and I didn’t use that card even though for the cancellation I’ve pay 2800/-. Totally 4480/- . Is it having any sense?
If I use the policy then I’ll pay the money with out using why should I pay?
What the management of Lombard doing? They want to take money from customers with out providing any facility? There rules are really meaning less…

At the time of starting the policy the agent told me like:
1. You can get more and more features (telling some nonsense means high lights the small good features and hides the main and important points).
2. When ever you want you can cancel the health card
(The Agent Name: Sujatha - Hyderabad)
The main point is first they join us as policy holder/member then only they send documents for that policy. They really chatting the customers.
What should I do now?