Choose your insurance wisely

Signed up for health cash plan. A few months later noticed they were deducting more than was agreed to monthly policy fee. Tried to cancel, contact, stopped debit order without success. Finally chat with an agent on the web chat and was informed that I can't get my money back that was deducted and someone will call back for cancellation. Please make sure what you sign up for. This company is eager to take money and slow or refund moneys back. What is this called? Who needs the local to ***** when we give authority to get ripped of.