HDFC Bank Ergo General Insurance — Cancellation of policy

Address:	Pune, Maharashtra, 411029
Website:	www.hdfcergo.com/General_Insurance‎

Hi,
I am shivaji,
On 26th sep 2016, a customer care executive from hdfc ergo called me n told about hdfc ergo health insurance,
I told i am not interested, he told abt the policy, i asked him is that mandatory, he replied "its ur new credit card so u can (must) take it", i asked him twice or thrice, he replied the same, i thought it was mandatory n told ok,

But later i came to know its not mandatory, so i called [protected] requested for cancellation of the policy, they told ur request for cancellation is taken, the policy reference number is hn[protected], after 2 days some customer care executive called me n spoke for 30mins, stating its not possible to cancel, i told him i need to cancel the policy, after few mins he told, ok we'll cancel the policy n told it leads a "black mark in cibil rating" (my name would be added in defaulter list of cibil) n he told its "only 438rs per month", so whatever he told abt cibil was true n told to continue with the policy, later came to know that cibil is only for credit rating n nothing to do with insurance,

So called [protected] n told to cancel, they told ur request is taken.

I called [protected] n i re-requested for cancellation, same thing repeated,
Now i need to know, why they need to call me?

Plz cancel my policy n refund all my money to my credit card

Regards,
Shivaji