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Key Highlights
- Aarogyasri Health Care Trust Telangana includes 938 different procedures such as major surgeries and emergency treatments so that many people can access medical care.
- Beneficiaries of the scheme are offered cashless treatment at empanelled hospitals by learning how to download Aarogyasri card, thereby eliminating out-of-pocket expenses at the point of service.
- The scheme has a wider network of government and private hospitals across Telangana where citizens can get good healthcare.
- This programme aims to reduce huge health expenditures among families below the poverty line by a significant percentage.
- It covers pre-hospitalisation costs for up to 10 days and post-hospitalisation expenses for up to 30 days.
Aarogyasri Health Care Trust Telangana
Healthcare is a crucial aspect of human welfare, but many people continue to struggle to access quality healthcare, especially in developing areas. In bridging this gap, different governments have established insurance schemes that would ensure the provision of medical services to the poor sections of society.A remarkable example of such an effort is the Aarogyasri Health Insurance Scheme by the Government of Telangana, India. This holistic initiative aims at protecting local populations from huge health costs and making healthcare accessible for them when they need it.
This article provides a summary of how to download Aarogyasri card, its objectives and goals, application process and eligibility requirements as well as its features and benefits. Moreover, we will discuss how this scheme has impacted accessibility to healthcare and broader public health implications for Telangana.
History and Background of Aarogyasri
Aarogyasri was first introduced in Andhra Pradesh in 2007, with the main aim to offer financial protection to BPL (below the poverty line) families suffering from a critical illness requiring expensive surgical intervention. It was begun as a response to the demand for a structured healthcare insurance programme that could target economically deprived people. Aarogyasri Health Care Trust is a health insurance programme run by the state government of Telangana in India.It offers free medical treatment to individuals who are below the poverty line and those identified as vulnerable by the government. You can get benefits if you know how to download Aarogyasri card. The scheme covers various medical procedures such as surgeries, hospitalisations, and diagnostic tests.
Furthermore, it provides help for the transportation of patients to and from hospitals. The state government funds Aarogyasri Health Care Trust through the Department of Health and Family Welfare which runs it. It thus seeks to improve access to quality healthcare services for people who would have otherwise found it unaffordable.
Also Read: Health Insurance: Advantages, Disadvantages, and Important Considerations
Objectives of Aarogyasri
The programme called Aarogyasri has several crucial objectives:Universal Health Coverage
Ensuring all citizens especially those below the poverty line have access to high-quality healthcare without risking their finances.Reduction in Health Expenditures
Reducing the harmful effect of serious illnesses and surgeries on poor households that may result in indebtedness or being impoverished.Improvement in Health Outcomes
Improving overall health outcomes through timely provision of medical interventions and comprehensive health care services.Promotion of Preventive Healthcare
Promoting preventive measures and early diagnosis for reduced incidences of severe health conditions.Strengthening Healthcare Infrastructure
To stimulate increased demand and utilisation, improve public and private health infrastructure.Implementation
The Aarogyasri scheme is managed by the Aarogyasri Health Care Trust. It is under the control of the Department of Health, Medical & Family Welfare, Government of Telangana. This department implements the scheme, selects hospitals and claims process for funding and ensures service provision to its target population. They also provide information on how to download Aarogyasri card.Logging in and How to Download Aarogyasri Card
The steps for logging into the Aarogyasri Telangana website are:- Open the official website of Aarogyasri Telangana and click “Login” at the top right corner of the page.
- Give your login details (username and password).
- Click “Login”.
If you do not have a login account, you can create one by clicking “Sign Up” on the login page. Note that this website is restricted to registered health professionals and other authorised persons.
Aarogyasri Treatment List
The following diseases are covered by the Telangana Aarogyasri Health Insurance Scheme.Cancer
These include the cost of treating various types of cancer through treatments like chemotherapy, radiation therapy, and surgery.Heart Disease
This scheme covers medical expenses for heart diseases such as coronary artery bypass grafting, angioplasty and valve replacement.Kidney Disease
These involve the cost of kidney conditions treatment like dialysis and kidney transplantations.Neurological Conditions
It will pay you if you get neurological conditions treatment costs such as stroke, Parkinson's disease or multiple sclerosis.Orthopaedic Conditions
Under this scheme, you can be treated at a reasonable budget for orthopaedic problems including spinal surgery and joint replacement surgeries.Gastrointestinal Conditions
Surgery for Ulcerative Colitis or Crohn’s disease and other gastrointestinal disorders is covered by this plan.Respiratory Conditions
They include the costs of treating respiratory system-related illnesses such as Asthma, Chronic Obstructive Pulmonary Disease (COPD), etc.Burns
Burns’ treatments are also catered for in the Telangana Aarogyasri Health Insurance scheme. It includes operations and skin grafting among other procedures carried out in hospitals or clinics.Neonatal Care
Under this scheme, certain disorders in newborns are covered. Note that any claims made under the Telangana Aarogyasri Health Insurance Scheme are subject to some terms and conditions applicable to each case.Also Read: Tips to Choose the Health Insurance Plan in India
How to Apply for Aarogyasri Card in Telangana?
Learn how to apply for Aarogyasri card in Telangana:To apply for the Aarogyasri scheme, several steps have to be taken so that only the right individuals get the benefit. Here are the right steps on how to apply:
Identify Beneficiaries
The scheme focuses mainly on families with white ration cards (a sign of poverty). Beneficiaries are identified using an existing database by the government.Registration
After identification, if you are a beneficiary, you will need to register for the scheme either through Mee Seva Centres, public hospitals or by contacting Aarogyamitras (field agents) who will assist them in the process.Documentations
You as a beneficiary must attach relevant documents like white ration cards, Aadhaar cards and other necessary identification papers to confirm your eligibility.Health Fairs and Screening
The programme carries out regular health fairs and screening programmes where you can check your health status. Early detection and treatment of diseases will be enhanced through these campsites.Issue Of Health Cards
Once enrolment is successful, you will be given an Aarogyasri health card which acts as evidence of enrolment and can be used for medical services at empanelled hospitals.Service Utilisation
If you want to access the benefits of this programme, you should present the card at the desk for Aarogyasri help at the empanelled hospital. You will receive cashless treatment after showing your health card.Documents Required
Here are the main documents that you need:- Aadhaar card
- White ration card
- Recent passport-size photographs
- Proof of residence
- Medical records (if needed)
Aarogyasri Eligibility
The eligibility criteria ensure that the benefits of the Aarogyasri scheme accrue to the intended beneficiaries. The specific eligibility criteria include the following.Residency
Applicant must be a Telangana resident.Income Level
White ration card which is an indication of the poverty level, means that any family possessing it can qualify for the scheme.Medical Necessity
There are certain procedures and treatments covered by this policy. Your medical condition should be listed among those covered.Coverage
Some of the diseases covered by this scheme are as follows:- Major operations (cardiac, cancerous and kidney)
- Critical treatments (neurosurgery, burn victims and patients with multiple injuries)
- Postoperative care and follow-up
Exclusions
The Aarogyasri Health Insurance Scheme does not cover the following:- Devices for aiding cardiac insufficiencies
- Hepatic transplants
- Transfusion of bone marrow
- Gamma knife radiosurgery in neurosurgical operations
- Replacement of hip and knee joints
Additionally, this programme does not cover diseases that are included in the National Programs. For instance, diseases like Infections Disease, Diarrhoea, HIV/AIDS, Hepatitis, Elephantiasis, Tuberculosis (TB), Malaria and Leprosy etc., are under Ayushman Bharat - Pradhan Mantri Jan Arogya Yojna.
Features of Aarogyasri
Here are some of the key features:Inclusive Insurance
Aarogyasri has an inclusive premium package that provides a wide variety of treatments and procedures. The programme aims to pay for hospitalisations, surgeries, and urgent medical care so that you receive necessary medical attention without struggling to meet the expenses.Cashless Healthcare
One admirable characteristic of Aarogyasri is the fact that it offers cashless healthcare. The beneficiaries do not need to spend from their own pockets. This policy covers all the charges as it enables these poor households to find healthcare.Empanelled Hospitals
This scheme has many empanelled hospitals which are both public and private. It helps in ensuring wide access. The selection process covers criteria such as quality care among others. Therefore, you can choose any hospital from this list for your treatment.Pre- & Post-hospitalisation Expenses
Aarogyasri’s pre-hospitalisation cost is covered within 10 days whereas the post-hospitalisation cost is within 30 days. This means that you do not bear additional costs associated with your health management.Transportation Charges
The plan additionally takes care of transport expenses incurred when a patient needs to access medical help. It may be very beneficial, especially for those in rural areas where barriers exist, limiting universal access to health care services.Follow Up Care
Many chronic and severe diseases require follow-up treatments. This is why Aarogyasri has provisions made for follow-up treatments. You get information on how to take care of yourself while on medication or even at home.Aarogyasri Card Benefits
Here are some of the popular benefits of the Aarogyasri Card:Financial Inclusion
One of the key advantages of Aarogyasri is its financial inclusion. The scheme takes care of major operations and treatments, preventing a situation where you incur heavy medical expenses, pushing you into debt and leading to impoverishment.Better Public Health
Sufficient timely access to treatment leads to better health results. Aarogyasri helps in diagnosing diseases early and helping to prevent deaths and disabilities among its beneficiaries.Quality Medical Care Accessibility
Aarogyasri network ensures the beneficiaries have access to quality healthcare services through different established hospitals. Some of the best advanced medical treatments and services are provided by these facilities in the state.Enhancement of Employment Opportunities
The implementation of the Aarogyasri scheme has also created employment opportunities. There have been jobs created within the healthcare sector starting from health workers to administrative personnel.Reduction in Health Disparities
Aarogyasri ensures that economically backward groups are not left out of healthcare benefits. This means that even the poorest section of society gets treated with good-quality medical attention. This promotes equality in accessing healthcare with social justice being upheld.Development of Healthcare Infrastructure
As a result of the increased uptake of healthcare services under the scheme, health infrastructure in the public sector has improved. Hospitals and clinics are getting equipped, and investment in healthcare facilities is increasing, thereby benefiting the wider population.Also Read: How To Upgrade Health Insurance Coverage?
Health Camp Services
The Government of Telangana wants to ensure that the rural masses know about the state health insurance scheme. Additionally, the state seeks to create awareness regarding other diseases. The programme provides free medicines and counselling.Arogyasathi stands for the needy population in the state for medical support. As part of IEC operations, network hospitals in the programme must conduct free health camps to offer screening and treatment at beneficiaries’ doorsteps. In this connection, some of the services available through the Aarogyasri Telangana scheme include:
- Creating exhibits on general wellness, diagnosis of diseases and prevention of infections and chronic disorders.
- Production of radio commercials
- Visual/auditory communication productions
- Handbill’s giving out
- Composition of daily newspaper articles and advertisements
- Exhibition of posters and banners
- Arrangement of village meetings
Impact on Public Health
Here are some of the key impacts on public health:Better Use of Health Services
Since its establishment, the Aarogyasri programme has substantially encouraged poor masses to utilise health services. The plan provides economic support to more people going for medical treatment.Rapid Diagnosis and Treatment
Continuous health camps and screening programs have greatly helped in the early diagnosis of diseases under this initiative. Many health conditions are managed properly and treatment outcomes have improved through early intervention.Enhanced Public Health Awareness and Education
The scheme has assisted in increasing public health awareness and education. Those who benefit from it have a deep understanding of health issues, how to avoid them, and why medical care should be sought in time.Decreased Mortality and Morbidity Rates
Aarogyasri’s provision of crucial medical treatments has led to decreased mortality and morbidity rates within the state. Numerous lives have been saved following prompt medical interventions supported by this process.Economic Advantages
The Aarogyasri scheme is economically beneficial in many ways. The system preserves family values by reducing impoverishment due to ill health. Besides, healthy individuals are considered more productive; thereby adding value to the economy.Also Read: Health Insurance for Senior Citizens
Challenges and Areas of Improvement of Aarogyasri
There are several challenges to the Aarogyasri scheme, despite its benefits:Awareness and Outreach
Ensuring that every beneficiary has information about the scheme and ways to use its benefits remains a challenge.Quality of Care
Ensuring the uniformity of care in all the empanelled hospitals becomes difficult. Some hospitals have been known for concerns about service quality and efficiency.Administrative Bottlenecks
Some administrative procedures such as claim approvals and reimbursements can be time-consuming, thus delaying service delivery.Sustainability
The programme must remain financially viable over time, this requires proper management of money and other resources.Future Directions for Aarogyasri
To surmount these difficulties and empower the Aarogyasri scheme, here are some key useful measures:Improved Outreach Programs
Create more awareness through targeted outreach programs, especially in rural and remote areas.Strengthening Monitoring and Evaluation
Institute reliable monitoring and evaluation mechanisms that promote consistent quality of care across all empanelled hospitals.Capacity Building
Train healthcare providers and administrative staff to improve service delivery efficiency in handling claims, reimbursements etc.Technological Integration
The use of technology for enhanced access to services, easy administration and transparency is a must. This may include online portals for application and claim tracking, telemedicine services, and electronic health records, among others.Sustainable Financing Models
Examine different sources of funding that would guarantee the long-term viability of the program. These could be public-private partnerships, increased budgetary provisions or other revolutionary financing methods.Expanding Coverage
This will include periodically updating covered procedures/treatments as well as incorporating new health needs emerging or technological advancements in medical care.Community Engagement
Involve local organisations, and community leaders in awareness campaigns and feedback mechanisms to ensure the scheme remains responsive to the beneficiaries' needs.Importance of Health Insurance
It is important to have health insurance as part of an efficient healthcare system. This serves as a financial shield against high medical costs and prevents families from availing of debt when medical services are needed.Health insurance goes beyond its immediate benefits by directly influencing the health, productivity, and economic stability of a society. Below are some key reasons why health insurance is significant:
Financial Security
Health insurance acts as an essential cushion against extremely expensive healthcare procedures. In case one lacks coverage, a severe illness or accident can lead to unaffordable out-of-pocket costs that can push many families into poverty. These risks are reduced through medical coverage which pays for most if not all hospitalisation expenses, surgery, medications as well as preventive services.Improved Access to Quality Healthcare
One of the main advantages of having health insurance is that it improves access to quality healthcare services. If you are insured, you get access to early diagnosis and treatment of ailments, thereby reducing complications associated with diseases and increasing the chances of early recovery.Promotion of Preventive Care
In certain instances, you can get vaccinations; get screening tests done or even get checkups without money. Such preventive practices ensure that your illnesses do not deteriorate into complex issues that would cost more money before being treated adequately. This lowers the financial burden of illness on people resulting in improved general health status.Peaceful Life
Being aware of your possession of this kind of policy brings about peace within yourself because you do not worry about situations where you may need medical care whose financial impact might be devastating. It makes you feel protected from any future uncertainties that might come unexpectedly.Health Equality
Health insurance is an important tool in helping to bridge the health gap between the poor and the rich. Andhra Pradesh’s public health programme called Aarogyasri specifically targets economically deprived populations, reducing disparities in healthcare access based on wealth. It thus promotes social justice.Assist in Treating Chronic Illnesses
if you are chronically ill, for instance, suffering from diabetes or high blood pressure, you can benefit a lot from having this policy since it covers all your hospital expenses. These plans usually take care of regular monitoring, medications as well as specialist consultations that you may require to effectively handle these illnesses. This will prevent any future complications associated with chronic diseases hence improving quality of life and minimising long-term medical costs.Reducing Out-of-Pocket Expenditure
It is covered through general insurance policies and you do not spend any money when you go to hospitals. You are not likely to incur significant bills as most of the services are taken care of by the insurers.Community and Public Health Advantages
Other than managing the outbreak of infectious diseases through immunisation and frequent medical check-ups. Insurance policies improve public health directly by providing services for national health programs intended to enhance health and handle public health emergencies effectively.Also Read: Buying Private Health Insurance
Aarogyasri Digital Card Telangana
The Aarogyasri Health Insurance scheme in Telangana stands as a testimony to the dedication of the state to ensuring that the most vulnerable people have access to healthcare. The scheme has greatly increased health outcomes and lessened health disparities by covering a variety of medical treatments, thereby providing financial security.This scheme could serve as a good model for other regions looking forward to introducing similar schemes through continuous improvement, addressing challenges, and adapting to changing healthcare needs. The influence it has on public health, economic stability, and the overall well-being of its population demonstrates how government-based health insurance programs play an important role in achieving universal coverage for all citizens and social justice.
Aarogyasri Telangana is not just a health insurance scheme but a lifeline for millions of poor individuals and families. It should be noted that it’s important to learn how to download Aarogyasri card which makes it an essential element within the public health infrastructure of Telangana State.
These also serve as reference points in terms of policy direction, further explaining how far-reaching reforms can be under more inclusive health policies that lead to better human capital outcomes.
FAQS – FREQUENTLY ASKED QUESTIONS
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What is the Aarogyasri Health Insurance Scheme ?
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Who can be covered under the Aarogyasri scheme ?
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How to Download Aarogyasri Card ?
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What are the medical procedures and treatments covered under Aarogyasri ?
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How does the cashless treatment feature work under Aarogyasri ?
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What documents are required when enrolling into the Aarogyasri scheme ?
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How to find an empanelled hospital under Aarogyasri ?
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Does Aarogyasri cover transportation costs for medical treatment ?
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Are follow-up treatments covered in the Aarogyasri scheme ?
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What happens if the claim takes too long or it is rejected under Aarogyasri ?
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Although all efforts are made to ensure that information and content provided as part of this Website is correct at the time of inclusion on the Website, however there is no guarantee to the accuracy of the Information. This Website makes no representations or warranties as to the fairness, completeness or accuracy of Information. There is no commitment to update or correct any information that appears on the Internet or on this Website. Information is supplied upon the condition that the persons receiving the same will make their own determination as to its suitability for their purposes prior to use or in connection with the making of any decision. Any use of this Website or the information is at your own risk. Neither ABCL and ABC Companies, nor their officers, employees or agents shall be liable for any loss, damage or expense arising out of any access to, use of, or reliance upon, this Website or the information, or any website linked to this Website.
No Liability
This Website is provided to you on an "as is" and "where-is" basis, without any warranty. ABCL, for itself and any ABC Companies and third party providing information, Materials (defined later), facilities, or content to this Website, makes no representations or warranties, either express, implied, statutory or otherwise of merchantability, fitness for a particular purpose, or non-infringement of third party rights, with respect to the website, the information or any products or facilities to which the information refers. ABCL will not be liable to you or any third party for any damages of any kind, including but not limited to, direct, indirect, incidental, consequential or punitive damages, arising from or connected with the site, including but not limited to, your use of this site or your inability to use the site, even if ABCL has previously been advised of the possibility of such damages. Any access to information hosted on third party websites of billers/banks/merchants/ABC Companies etc. is not intended and shall not be treated as an offer to sell or the solicitation of an offer to buy any product/offering of these ABC Companies or third parties.
The Facilities Provider or ABCL or ABC Companies shall have absolutely no liability in connection with the information and Material posted on this Website including any liability for damage to your computer hardware, data, information, materials, or business resulting from the information and/or Material or the lack of information and/or Material available on the Website. In no event shall ABCL or ABC Companies shall be liable for any for any special, incidental, consequential, exemplary or punitive damages for any loss, arising out of or in connection with (a) the use, misuse or the inability to use this Website; (b) unauthorized access to or alteration of your transmissions or data; (c) statements or conduct of any third party on the site; or (d) any other matter whatever nature relating to this Website.
Further, the Facilities Provider cannot always foresee or anticipate technical or other difficulties. The facilities may contain errors, bugs, or other problems. These difficulties may result in loss of data, personalization settings or other facilities interruptions. The Website does not assume responsibility for the timeliness, deletion, mis-delivery, or failure to store any user data, communications, or personalization settings.
The Facilities Provider, ABCL, ABC Companies and the providers of information shall not be liable, at any time, for any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communications line failure, theft or destruction or unauthorized access to, alteration of, or use of information contained at this Website.
Manner of Use of Personal Information
All Personal Information including Sensitive Personal Information provided/related to you, shall be stored/used/processed/transmitted expressly for the Purpose or facilities indicated thereon at the time of collection and in accordance with the Privacy Policy. Other than those otherwise indicated and agreed by You, this Website do not collect or store or share your Personal Information. Aditya Birla Capital is the brand and accordingly all products and facilities are provided by respective ABC Companies as applicable. Therefore, for any of these Purposes, the Website will use ABC Companies their authorized third party vendors, agents, contractors, consultants or facilities providers (individually a ‘Third Party Service Provider’ and collectively, the “Third Party Service Providers”) and to that extent you understand and authorize the Facilities Provider to share/transmit such information to Third Party Service Providers. Such sharing of information will be solely for the purpose to fulfill / complete / authenticate your specific requests/transaction execution and for providing information about any ABC Companies product or facilities or services or for data analytics or to deliver to you any administrative notices, alerts or communications relevant to your Purpose (and which may include sending promotional emails or SMS or calls or any other mode permitted under law) or to analyze the usage and improve the facilities/solutions offered or for any research or troubleshooting problems, detecting and protecting against errors or to improve features, tailor the facilities on the Website to your interests, and to get in touch with you whenever necessary.
Except in the manner as stated in the Privacy Policy, the Website will not disclose your Personal Information with any affiliated or unaffiliated third parties,
You may receive e-mails /communications/notifications from the Third Party Services Providers regarding facilities updates, information/promotional e-mails/SMS and/or update on new product announcements/services in such mode as permitted under law.
Use of Website in India
This Website is controlled and operated from India and there is no representation that the Materials/information are appropriate or will be available for use in other locations. If you use this Website from outside the India, you are entirely responsible for compliance with all applicable local laws. There is no warranty or representation that a user in one region may obtain the facilities of this website in another region.
Information published on the Website may contain references or cross references to products, programs and facilities offered by ABC Companies/third parties that are not announced or available in your country. Such references do not imply that it is intended to announce such products, programs or facilities in your country. You may consult your local advisors for information regarding the products, programs and services that may be available to you.
In your use of the Website, you may enter correspondence with, purchase goods and/or facilities from, or participate in promotions of advertisers or members or sponsors of the web site, including those of ABC Companies. Unless otherwise stated, any such correspondence, advertisement, purchase or promotion, including the delivery of and the payment for goods and/or facilities, and any other term, condition, warranty or representation associated with such correspondence, purchase or promotion, is solely between you and the applicable ABC Companies and/or third parties.
You agree that Facilities Provider / ABC Companies has no liability, obligation or responsibility for any such correspondence, purchase or promotion between you and any other ABC Companies and/or third parties.
Third party websites
This Website may be linked to other websites (including those of ABC Companies) on the World Wide Web that are not under the control of or maintained by ABCL. Such links do not indicate any responsibility or endorsement on our part for the external website concerned, its contents or the links displayed on it. These links are provided only as a convenience, in order to help you find relevant websites, facilities and/or products that may be of interest to you, quickly and easily. It is your responsibility to decide whether any facilities and/or products available through any of these websites are suitable for your purposes. The Facilities Provider or ABCL is not responsible for the owners or operators of these websites or for any goods or facilities they supply or for the content of their websites and does not give or enter into any conditions, warranties or other terms or representations in relation to any of these or accept any liability in relation to any of these (including any liability arising out of any claim that the content of any external web site to which this web site includes a link infringes the intellectual property rights of any third party).
USE of APP
In case any facilities/services, access/dissemination of information or execution of transaction is done through use of any APP related to ABC Companies, the additional terms and conditions governing the Use of APP shall be applicable and to be read along these Terms of Use.
Postings and monitoring
The Facilities Provider or ABCL or ABC Companies does not routinely monitor your postings to the Website but reserves the right to do so if deemed necessary if it is related to the facilities offered on the web site and to comply with law. However, in our efforts to promote good citizenship within the internet community, if the Facilities Provider or ABCL or ABC Companies becomes aware of inappropriate use of the Website or any of its facilities, any information, opinions, advice or offers posted by any person or entity logged in to the Website or any of its associated sites is to be construed as public conversation only, and the Facilities Provider or ABC Companies shall not be liable or responsible for such public conversation. You agree that in such cases, we will respond in any way that, in our sole discretion, as deemed appropriate. You acknowledge that Facilities Provider or ABC Companies will have the right to report to law enforcement authorities any actions that may be considered illegal, as well as any information it receives of such illegal conduct. When requested, ABC Companies/Facilities Provider will co-operate fully with law enforcement agencies in any investigation of alleged illegal activity on the internet.
Submissions and unauthorized use of any Materials contained on this Website may violate copyright laws, trademark laws, the laws of privacy and publicity, certain communications statutes and regulations and other applicable laws and regulations. You alone are responsible for your actions or the actions of any person using your user name and/or password. As such, you shall indemnify and hold Facilities Provider, ABCL / ABC Companies and its officers, directors, employees, affiliates, agents, licensors, and business partners harmless from and against any and all loss, costs, damages, liabilities, and expenses (including attorneys' fees) incurred in relation to, arising from, or for the purpose of avoiding, any claim or demand from a third party that your use of the Website or the use of the Website by any person using your user name and/or password (including without limitation your participation in the posting areas or your submissions) violates any applicable law or regulation, or the rights of any third party.
We reserve the right to terminate access to this Website at any time and without notice. Further this limited license terminates automatically, without notice to you, if you breach any of these Terms of Use. Upon termination, you must immediately destroy any downloaded and printed Materials.
If you come across any breaches/violation or offensive material you must report to us at abc.secretarial@adityabirla.com
Use of Cookies
You agree and understand that the Website will automatically receive and collect certain anonymous information in standard usage logs through the Web server, including computer/computer resource-identification information obtained from "cookies" sent to your browser from a web server or other means as explained in the Privacy Policy.
Facilities Changes and Discontinuation
The Website reserves the right to discontinue or suspend, temporarily or permanently, the facilities. You agree that the Facilities Provider/ ABC Companies will not be liable to you in any manner whatsoever for any modification or discontinuance of the facilities. The format and content of this Website may change at any time. We may suspend the operation of this Website for support or maintenance work, in order to update the content or for any other reason.
ABCL, ABC Companies, and its directors, employees, associates, or other representatives shall not be liable for any damages or injury, arising out of or in connection with the use, or non-use including non-availability of the Website and also for any consequential loss or any damages caused because of non-performance of the system due to a computer virus, system failure, corruption of data, delay in operation or transmission, communication line failure, or any other reason whatsoever. The Website will not be responsible for any liability arising out of delay in providing any information on the Website.
Compliance with the Law
You agree that you will not:
- Use any robot, spider, scraper, deep link or other similar automated data gathering or extraction tools, programme, algorithm or methodology to access, acquire, copy or monitor the Website, or any portion of the Website.
- Use or attempt to use any engine, software, tool, agent, or other device or mechanism (including without limitation, browsers, spiders, robots, avatars or intelligent agents) to navigate or search the Website, other than the search engines generally available by third party web browsers
- Post or transmit any file which contains viruses, worms, Trojan horses or any other contaminating or destructive features, or that otherwise interferes with the proper working of the Website or the facilities.
- Attempt to decipher, decompile, disassemble, or reverse engineer any of the software, comprising or in any way making up a part of the Website or the facilities.
- You agree not to use the facilities for illegal purposes or for the transmission of material that is unlawful, harassing, libelous (untrue and damaging to others), invasive of another's privacy, abusive, threatening, or obscene, or that infringes the rights of others.
Restrictions on Commercial Use or Resale
Your right to use the facilities is personal to you; therefore, you agree not to resell or make any commercial use of the facilities. In addition, the Website welcomes your feedback as a user of the facilities. Any feedback you provide will become the confidential and proprietary information of the Website, and you agree that the Website may use in any manner and without limitation, all comments, suggestions, complaints, and other feedback you provide relating to the Website. The Website shall have a worldwide, royalty-free, non-exclusive, perpetual, and irrevocable right to use feedback for any purpose, including but not limited to incorporation of such feedback into the Website or other Website software or facilities.
No Endorsements
All product and facilities marks contained on or associated with the facilities that are not the Website marks are the trademarks of their respective owners. The Website would require you to respect the same. References to any such names, marks, products or facilities of third parties or hypertext links to third party sites or information does not imply the Website’s endorsement, sponsorship or recommendation of the third party, information, product or facilities.
Promotional Offers
You may receive from time to time, announcement about offers with intent to promote this Website and/or facilities/products of ABC Companies (“Promotional Offers”). The Promotional Offer(s) would always be governed by these Terms of Use plus certain additional terms and conditions, if any prescribed. The said additional terms and conditions, if prescribed, would be specific to the corresponding Promotional Offer only and shall prevail over these Terms of Use, to the extent they may be in conflict with these Terms of Use. The Website reserves the right to withdraw, discontinue, modify, extend and suspend the Promotional Offer(s) and the terms governing it, at its sole discretion.
Charges for use of Website
There are no charges or fees to be paid by you for use of this Website. However, you are responsible for all telephone access fees and/or internet service fees that may be assessed by your telephone and/or internet service provider. You further agree to pay additional charges, if any levied by Third Party Service Provider(s), for the facilities provided by them through the Website (Additional Charges).
No Endorsement
You are advised to be cautious when browsing on the internet and to use good judgment and discretion when obtaining information or transmitting information. From this Website, users may visit or be directed to third party web sites. The Website makes no effort to review the content of these web sites, nor is the Website or its licensors responsible for the validity, legality, copyright compliance, or decency of the content contained in these sites.
In addition, the Website does not endorse or control the content of any other user and is not responsible or liable for any content, even though it could be unlawful, harassing, libelous, privacy invading, abusive, threatening, harmful, vulgar, obscene or otherwise objectionable, or that it infringes or may infringe upon the intellectual property or other rights of another. You acknowledge that the Website does not pre-screen content, but that the Website will have the right (but not the obligation) in their sole discretion to refuse, edit, move or remove any content that is available via the facilities.
Electronic Communications
These Terms of Use and any notices or other communications regarding the Facilities may be provided to you electronically, and you agree to receive communications from the Website in electronic form. Electronic communications may be posted on the Website and/or delivered to your registered email address, mobile phones etc either by Facilities Provider or ABC Companies with whom the services are availed. All communications in electronic format will be considered to be in "writing". Your consent to receive communications electronically is valid until you revoke your consent by notifying of your decision to do so. If you revoke your consent to receive communications electronically, the Facilities Provider shall have the right to terminate the facilities.
Assignment
You shall not assign your rights and obligations under this Agreement to any other party. The Website may assign or delegate its rights and/or obligations under this Agreement to any other party in future, directly or indirectly, or to an affiliated or group company.
Legal Disclaimers
The information provided on or through the Website is for general guidance and information purposes only and they do not in any manner indicate any assurance or opinion of any manner whatsoever. Any information may be prone to shortcomings, defects or inaccuracies due to technical reasons. Certain information on Website may be on the basis of our own appraisal of the applicable facts, law and regulations in force at the date hereof.
The information (and opinions, if any) contained on the Website may have been obtained from public sources believed to be reliable and numerous factors may affect the information provided, which may or may not have been taken into account. The information provided may therefore vary (significantly) from information obtained from other sources or other market participants. Any reference to past performance in the information should not be taken as an indication of future performance. The information is dependent on various assumptions, individual preferences and other factors and thus, results or analyses cannot be construed to be entirely accurate and may not be suitable for all categories of users. Hence, they should not be solely relied on when making investment decisions. Your investment or financial decision shall always be at your own discretion and based on your independent research; and nothing contained on the Website or in any information would construe ABCL/ABC Companies or any of its employees/authorized representative as having been in any way involved in your decision making process. Any information and commentaries provided on the Website are not meant to be an endorsement or offering of any stock or investment advice.
Nothing contained herein is to be construed as a recommendation to use any product, process, equipment or formulation, in conflict with any patent, or otherwise and Facilities Provider / ABCL/ABC Companies makes no representation or warranty, express or implied that, the use thereof will not infringe any patent, or otherwise. Information on this Website sourced from experts or third party service providers, which may also include reference to any ABCL Affiliate. However, any such information shall not be construed to represent that they belong or represent or are endorsed by the views of the Facilities Provider or ABC Companies. Any information provided or sourced from ABCL Affiliate belongs to them. ABCL is an independent entity and such information from any ABCL Affiliate are not in any manner intended or to be construed as being endorsed by ABCL or Facilities Provider. The information does not constitute investment or financial advice or advice to buy or sell, or to endorse or solicitation to buy or sell any securities or other financial instrument for any reason whatsoever. Nothing on the Website or information is intended to constitute legal, tax or investment advice, or an opinion regarding the appropriateness of any investment or a solicitation of any type. Investment in the securities market and any financial instruments are inherently risky and you shall always assume complete and full responsibility for the outcomes of all the financial or investment decisions that you make, including but not limited to loss of capital. You are therefore advised to obtain your own applicable legal, accounting, tax or other professional advice or facilities before taking or considering an investment or financial decision.
No Solicitation
No Information at this Website shall constitute an invitation to invest in ABCL or any ABC Companies. These are meant for general information only or to meet statutory requirements or disclosures. ABCL or any of its employees are in no way liable for the use of the information by you, when making any decision or investing or trading through any investment vehicles or ABC Companies, or any other third party which may be engaged in offering of these services.
The information contained on this Website does not represent and should not be used to construe (i) the terms on which a new transaction would be entered into by ABCL or ABC Companies, (ii) the terms on which any existing transactions could be unwound by ABCL or ABC Companies, (iii) the calculation or estimate of an amount that would be payable following an early termination of any past/existing transactions or (iv) the valuations given to any transactions by ABCL or ABC Companies in their books of account for financial reporting, credit or risk management purposes.
Statutory Disclosure
ABCL and ABC Companies are engaged in a broad spectrum of activities in the financial services sectors. You understand and acknowledge that Aditya Birla Money Limited (‘ABML’), Aditya Birla Finance Limited (‘ABFL’) and Aditya Birla Sun Life Asset Management Company Limited and trustees and sponsor of Aditya Birla Sun Life Mutual Fund (‘ABSLMF’) are group companies and ABML / ABFL also acts as a distributor of ABSLMF. Any recommendation or reference of schemes of ABSLMF if any made or referred on the Website, the same is based on the standard evaluation and selection process, which would apply uniformly for all mutual fund schemes. You are free to choose the execution facilities in the manner deemed fit and proper and no commission will be paid by ABSLMF to ABML / ABFL if you choose to execute a transaction with ABSLMF on the Website, unless otherwise agreed by you and ABML/ABFL separately. Information about ABML/ABFL, its businesses and the details of commission structure receivable from asset management companies to ABML/ABFL, are also available on their respective Website.
Similarly Aditya Birla Money Insurance Advisory Services Limited and Aditya Birla Insurance Brokers Limited are insurance intermediaries and engaged in the distribution of Insurance Products and it may services may include products of Aditya Birla Sun Life Insurance Company Limited and Aditya Birla Health Insurance Company Limited. However there is no conflict on these services and commissions if any payable are in accordance of the extant regulations.
Force Majeure
The Facilities Provider, ABC Companies and any of its Third Party Service Providers shall not be liable for any delay or failure in performance resulting directly or indirectly from acts of nature, forces, or causes beyond their reasonable control, including, without limitation, Internet failures, computer equipment failures, telecommunication equipment failures, other equipment failures, electrical power failures, strikes, virus, other malicious computer code, hacking, labour disputes, riots, insurrections, civil disturbances, shortages of labour or materials, fires, flood, storms, explosions, acts of God, war, earthquake, governmental actions, orders of domestic or foreign courts or tribunals, non-performance of third parties, or loss of or fluctuations in heat, light, or air conditioning.
Indemnification
You agree to protect and fully compensate Facilities Provider, ABCL, ABC Companies, subsidiaries, licensors, suppliers and facilities providers, employees, officers and directors, from any and all third party claims, liability, damages, expenses and costs (including but not limited to reasonable attorneys fees) caused by or arising from your use of the facilities, your violation of the Terms of Use or your infringement, or infringement by any other user of your account, of any intellectual property or other right of anyone.
No Waiver
The Facilities Provider, ABC Companies or any of its third party service providers and processor bank/merchants etc. shall not be deemed to have waived any of its/their rights or remedies hereunder, unless such waiver is in writing. No delay or omission on the part of Facilities Providers and ABC Companies, in exercising any rights or remedies shall operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.
Exclusive Agreement
You agree that these Terms of Use are the complete and exclusive statement of agreement supersede any proposal or prior agreement, oral or written, and any other communications between you and the Facilities Provider and its Third Party Service Providers or processor bank/merchants relating to the subject matter of these Terms of Use. These Terms of Use, as the same may be amended from time to time, will prevail over any subsequent oral communications between you and the Website and/or the processor bank.
Termination
Either party can terminate this Agreement by notifying the other party in writing. Upon such termination You will not be able to use the facilities of this Website.
Governing Law and Jurisdiction
The Website specifically prohibits you from usage of any of its facilities in any countries or jurisdictions that do not corroborate to all stipulations of these Terms of Use. The Website is specifically for users in the territory of India. In case of any dispute, either judicial or quasi-judicial, the same will be subject to the laws of India, with the courts in Mumbai having exclusive jurisdiction.
These Terms and Conditions are governed by and to be interpreted in accordance with laws of India, without regard to the choice or conflicts of law provisions of any jurisdiction. You agree, in the event of any dispute arising in relation to these Terms and Conditions or any dispute arising in relation to the Website whether in contract or tort or otherwise, to submit to the jurisdiction of the courts located at Mumbai, India for the resolution of all such disputes.
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