This is one of the worst policy and they are charging more. I have given written request to cancel the policy and I have received a letter for the confirmation of cancelling the policy. I clearly told him to cancel the policy but to my surprise my policy got renewed the next day that is 1 week before of the due date. After that I have sent 2 more self signed letters to cancel the policy but they are giving stupid reasons like the letter was unsigned and all.. Customer service is worst from HDFC Ergo team.