PRIVACY POLICY

Declaration (Mandatory Declarations before submission of Proposer Data)None of the Insured members fall in the category of Politically Exposed Persons (P.E.P.)

  • I / We hereby declare, on my behalf and on behalf of all persons proposed to be insured, that the above statements, answers and / or particulars given by me are true and complete in all respects to the best of my knowledge and that I / We am / are authorized to propose on behalf of these other persons.
  • I understand that the information provided by me will form the basis of the insurance policy, is subject to the Board approved underwriting policy of the insurance company and that the policy will come into force only after full receipt of the premium chargeable.
  • I / We further declare that I / We will notify in writing any change occurring in the occupation or general health of the life to be insured / proposer after the proposal has been submitted but before communication of the risk acceptance by the company.
  • I / We declare and consent to the company seeking medical information from any doctor or from a hospital who at any time has attended on the life to be insured/ proposer or from any past or present employer concerning anything which affects the physical or mental health of the life to be assured / proposer and seeking information from any insurance company to which an application for insurance on the life to be assured / proposer has been made for the purpose of underwriting the proposal and / or claim settlement.
  • I / We authorize the company to share information pertaining to my proposal including the medical records for the sole purpose of proposal underwriting and / or claims settlement and with any Governmental and / or Regulatory authority.

PROHIBITION OF REBATES (before payment of premium)

(Under Section 41 of Insurance Act 1938)

  • No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take out or renew or continue an insurance in respect of any kind of risk relating to lives or property in India, any rebate of the whole or part of the commission payable or any rebate of the premium shown on the policy, nor shall any person taking out or renewing or continuing a policy accept any rebate, except such rebate as may be allowed in accordance with the published prospectuses or tables of the Insurer.
  • Any person making default in complying with the provisions of this section shall be liable for a penalty which may extend to ten lakh rupees.

Terms and conditions of use

The following terms and conditions shall govern use of the website www.careinsurance.com and all other URLs forming part thereof (hereinafter referred to as "the Sites"). The Sites are owned and managed by Care Health Insurance Limited (formerly known as Religare Health Insurance Company Limited) incorporated under the Indian Companies Act, 1956 (hereinafter referred to as "us or we" in the first person and or as "Care Health Insurance Limited" (wherever the context so requires). These terms and conditions of use form the entirety of any express or implied contract that may or may not be deemed to exist between your-self and us.

Policy Documents

  • Your policy documents will be sent to your registered email id and mobile number (through SMS & Whats-App)
  • I hereby agree to receive policy & product related information, incl. but not limited to new product launches, offers and promotions, through email, SMS & Whatsapp or any other medium.
  • Physical Policy documents will be dispatched on specific request only.

Prohibited Conduct:

You will not host, display, upload, modify, publish, transmit, update or share any information that:

  • belongs to another person and to which the user does not have any right
  • is defamatory, obscene, pornographic, paedophilic, invasive of another privacy including bodily privacy, insulting or harassing on the basis of gender, libellous, racially or ethnically objectionable, relating or encouraging money laundering or gambling, or otherwise inconsistent with or contrary to the laws in force;
  • is harmful to child;
  • infringes any patent, trademark, copyright or other proprietary rights;
  • violates any law for the time being in force;
  • deceives or misleads the addressee about the origin of the message or knowingly and intentionally communicates any information which is patently false or misleading in nature but may reasonably be perceived as a fact;
  • impersonates another person;
  • threatens the unity, integrity, defence, security or sovereignty of India, friendly relations with foreign States, decency or morality in relation to contempt of court, defamation or public order, or causes incitement to the commission of any cognizable offence or prevents investigation of any offence or is insulting other nation;
  • contains software virus or any other computer code, file or program designed to interrupt to destroy or limit the functionality of any computer resource;
  • is patently false and untrue, and is written or published in any form, with the intent to mislead or harass a person, entity or agency for financial gain or to cause any injury to any person.
  • You shall be solely liable for any damages resulting from any violation of the foregoing restrictions, or any other harm resulting from your posting of content to this Site / Mobile Application.

Termination; Agreement Violations:

MOFSL has the right to terminate the access or usage rights of the users to the computer resource immediately or remove non-compliant information or both, as the case may be in case of non-compliance with rules and regulations, privacy policy or user agreement for access or usage of the computer resource of MOFSL.

Local Laws:

MOFSL is compliant as per the local, state and central laws. We endeavor to provide information under its control or possession, or assistance to any Government agency which is lawfully authorized to investigate or protect cyber security activities, for the purposes of verification of identity, or for the prevention, detection, investigation, or prosecution, of offenses under any law for the time being in force, or for cyber security incidents as soon as possible, but not later than seventy-two hours of the receipt of an order or as per the timelines specified in any government or regulatory order. Accordingly, our Grievance officer and our legal team are authorized to receive and acknowledge any order, notice or direction issued by the Appropriate Government, any competent authority, or a court of competent jurisdiction.

Dispute Resolution:

MOFSL shall within twenty-four hours from the receipt of a complaint made by an individual or any person on his behalf in relation to any content which is prima facie in any material exposes the private area of such individual, shows such individual in full or partial nudity or shows or depicts such individual in any sexual act or conduct, or is in the nature of impersonation in an electronic form, including artificially morphed images of such individual, take all reasonable and practicable measures to remove or disable access to such content which is hosted, stored, published or transmitted by it.

Use of LIBL Platform:

  • MOFSL has implemented a mechanism for the receipt of complaints which may enable the individual or person to provide details, as may be necessary, in relation to such content or communication link.
  • Further, you understand that once you place a cancellation request within the free look period, the policy gets cancelled and entire premium is refunded to you subject to deduction of (i) charges pertaining to medical tests conducted (ii) administrative and service cost like stamp duty etc. and; (iii) charges for mortality for the period the policy was in force. Please note such deduction is at the sole discretion of the insurer.
  • In case of a refund of premium due to an erroneous transaction or cancellation of the insurance policy, the premium paid for an insurance policy will be refunded via cheque or direct credit as per the policy of the insurance company that you have chosen to buy the product from.

Cookies

Motilal Oswal Financial Service Limited uses the technology known as "cookies" to track usage patterns, traffic trends and user behaviour, as well as to record other information from the website.. Many content adjustments and customer service improvements are made based on the data derived from cookies. The information we collect from cookies will not be used to create profiles of users and will only be used in aggregate form. The User may set his/her/its browser to refuse cookies. If the User so chooses, the User may still gain access to most of the Website, but the User may not be able to conduct certain types of transactions (such as shopping) or take advantage of some of the interactive elements offered. If the User uses any of the sharing features that may be offered by this Site, the User’s friend's email address will not be retained on Motilal Oswal Financial Service Limited Website or used in any way by Motilal Oswal Financial Service Limited or its group companies/affiliates.