[Resolved]  Make My Trip — refund for air india flight for travel insurance scheduled for 23-4-19 but was refunded on 21-7-19 after rigorous follow up

I had a booking made on 20-4-19 and immediately found that the app had by default charged me for travel insurance of rs.249 which i had requested for refund and i was told that the refund was processed on 23-4-19 to the source paypal a/c and then to the actual source but nothing showed as refund for 3 months even after rigorous follow up with my bank and paypal besides mmt. Only after 3 months i got the refund-had i not followed up i would have lost my money due to false statements made by bhawana and other chat executives.in april i had received lots of calls from mmt confirming that refund had been processed.
Can anybody approve of such policies adopted by a big goodwill travel agent like mmt?