Tata AIG Insurance — No customer support . I could not get policy cancelled and refund

I bought travel insurance for my mother on 6dec on their webportal. I am in the US so obviously due to the time difference I could not reach customer care in India before 24hrs. Above all, I could not get any customer support while dialing toll-free numbers from the US. I requested one of my friends who is in India to call on their toll-free number and get this policy canceled. He said, they cannot cancel the policy and there is no refund. If we cannot contact customer care from the US then what is the purpose to get this policy? in case of emergency whom to contact? I haven't received any response on email or call. Every time it was just an automatic answering machine response. I got frustrated with this nuisance and filled a consumer complaint in the US portal too. Please take serious action. They are playing with people's money, emotions and health.