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In recent years, the concept of healthcare has gained importance and awareness among societies. India is also witnessing an increase in healthcare facilities and healthcare schemes for everyone. The aim is to provide affordable and effective healthcare facilities globally.

One such initiative is the Arogya Raksha scheme, which aims to safeguard individuals and families from financial burden of medical expenses. This article delves into Arogya Raksha Policy details: eligibility, coverage, criteria, features and its benefits.

Key Highlights

  • Arogya Raksha Scheme was launched on January 1, 2017 by Andhra Pradesh Chief Minister N Chandrababu Naidu. The Arogya Raksha scheme aims to provide accessible and affordable healthcare, promoting universal health coverage (UHC).
  • Key features of this scheme include cashless treatment, an extensive hospital network, smart health cards, telemedicine services, and maternity and newborn care.
  • Benefits of Arogya Raksha scheme includes universal coverage, medical expenses, pre-existing conditions, and transport allowance.
  • The premium and plans of Arogya Raksha scheme includes three plans (A, B, C) with coverage ranging from ₹1 lakh to ₹10 lakhs annually, tailored to different family sizes and needs.
  • Arogya Raksha policy includes hospitalisation expenses, surgical procedures, maternity and newborn care, and ambulance charges.
  • Arogya Raksha policy excludes cosmetic procedures, dental treatments, and vision correction.
  • You can enrol yourself via insurance companies or local kiosks using Aadhar card and other required documents.
  • Renewal process of Arogya Raksha card is managed through Indian Bank branches or online portals, ensuring continuous coverage.

What Is Arogya Raksha?

Arogya Raksha translates to "Health Protection" in English. This health insurance scheme was launched by then Andhra Pradesh Chief Minister N Chandrababu Naidu on 1st January 2017. The scheme is operated by the Ministry of Health and Family Welfare, with a primary objective of making healthcare services accessible and affordable. It is part of the broader strategy to achieve universal health coverage (UHC) for all citizens.

With a broad range of private and public hospitals, this scheme promotes accessibility, especially during family emergencies. Below Poverty Line (BPL) and Above Poverty Line (APL) holders can apply for this scheme.

Key Features of Arogya Raksha

Here are the key features of Arogya Raksha scheme:
  • Cashless treatment: The scheme provides a 100% cashless treatment across empanelled hospitals. The patients do not have to worry about paying or covering different costs for any medical emergency.
  • Large network of hospitals: Arogya Raksha includes a large network of public and private hospitals. This extensive network ensures that people have appropriate access to healthcare services in times of dire need.

Benefits of Arogya Raksha Policy

You can take advantage of a number of benefits in aarogyaraksha policy. These are mentioned below:
  • Universal coverage: The Arogya Raksha scheme aims to provide health coverage to all eligible families in the state of Andhra Pradesh. It encourages people to get accessible healthcare irrespective of their category. Keep in mind that it targets families that are not covered under any other health insurance scheme.
  • Beneficiary contribution: The scheme involves a nominal contribution from the beneficiaries. This contribution is typically low, making healthcare more accessible to economically vulnerable families.
  • Coverage of medical expenses: The scheme covers expenses related to hospitalisation for various medical and surgical procedures. This includes coverage for treatments for specified illnesses and conditions including cataract, benign prostatic hypertrophy, hysterectomy for menorrhagia or fibromyoma, hernia, hydrocele, congenital internal disease, fistula in anus, piles, sinusitis and related disorders, gall bladder stone removal, gout and rheumatoid arthritis, and calculus diseases.
  • Pre-existing conditions: Unlike many insurance schemes, Arogya Raksha covers pre-existing illness as well. From day one of the policy, the individuals with chronic health conditions can claim this benefit.
  • Transport allowance: The scheme provides transport allowance to the beneficiaries for hospital visits, which helps in reducing the financial burden of travel costs associated with healthcare.
  • Smart health cards: Beneficiaries receive smart health cards that contain their health information and facilitate easy access to healthcare services at empanelled hospitals.
  • Telemedicine services: Arogya Raksha gives telemedicine services that further allows beneficiaries to consult with doctors remotely. This proves to be helpful for people who are living in rural areas where specialists may be limited.
  • Maternity and newborn coverage: The scheme includes coverage for maternity expenses, including pre and post-natal care, and newborn care.
  • Coverage of Ayurvedic treatment: The Arogya Raksha scheme covers Ayurvedic treatment as well. You can take advantage of this feature at a government hospital. Treatments received at a medical facility should be accredited by the Quality Council of India/National Accreditation Board.

Also Read: Everything You Should Know About a Preventive Health Care Plan

Arogya Raksha Premium and Beneficiaries

Arogya Raksha policy details include 3 different plans based on the number of beneficiaries. You can avail each plan with a sum insured from ₹1 lakh to ₹10 Lakhs. Catering to every need, here is a breakdown of the plans and their premium:
  • Plan A: Focused towards individuals with an exit age of 35 years, this plan provides a comprehensive coverage premium of ₹2,000 to ₹14,500 annually. The plan covers the individual i.e. the account holder with two dependent children and a spouse.
  • Plan B: Geared towards individuals with an exit age of 70 years, this plan provides a comprehensive coverage premium of ₹3,000 to ₹25,500 annually. The plan covers the individual i.e. the account holder with two dependent children and a spouse.
  • Plan C: Also geared towards individuals with an exit age of 70 years, this plan provides a comprehensive coverage premium of ₹5,000 to ₹62,500 annually. The plan covers the individual i.e. the account holder with two dependent children, dependent parents, and a spouse. It offers a broader range of coverage to provide flexibility to big families.

Note: Keep in mind that the premium amount is determined by the chosen coverage amount.

Arogya Raksha Policy Coverage Inclusions

The Arogya Raksha scheme provides an extensive healthcare access, reducing financial burden, and enhancing health outcomes for eligible families in Andhra Pradesh. Here are the main inclusions of the Arogya Raksha policy:
  • Hospitalisation Expenses: The policy covers expenses related to hospitalisation, including room rent, nursing charges, doctor's fees, and ICU charges.
  • Surgical Procedures: Costs associated with surgeries, including surgeon's fees, anesthesia, operation theatre charges, and surgical appliances are covered.
  • Medical Investigations: Diagnostic tests such as blood tests, X-rays, MRI, CT scans, and other investigations necessary for the treatment, are included in the coverage.
  • Maternity and Newborn Care: The policy includes coverage for maternity expenses, including pre-natal and post-natal care, childbirth expenses, and newborn care. This facility is available only for the first two childbirths.
  • Pre-Existing Conditions: Unlike many other health insurance schemes, Arogya Raksha covers pre-existing illnesses from the beginning of the policy period, ensuring immediate coverage for chronic health conditions.
  • Ambulance Charges: Costs incurred for using ambulance services during emergencies are typically covered under the policy.
  • Transport Allowance: Beneficiaries receive a transport allowance to cover the costs of travel to and from the hospital for treatment, reducing the financial burden of transportation.
  • Daycare Treatment: This scheme includes pre and post-hospitalisation Ayurvedic treatment. It also includes medical and surgical treatments falling under the category of daycare treatment.
  • Personal Accident Death Cover: It provides a 100% coverage to the account holder, 50% for spouses, and 25% for children.
  • Co-payment: A 10% co-payment is applicable for individuals above the age of 65 years.
  • In-Patient Hospitalisation Expenses: It covers up to 25% of the sum insured. The maximum limit for the same is ₹3,00,000 per year. Illnesses such as Depression, Obsessive Compulsive Disorders, Psychosis, Schizophrenia, and Bipolar Affective Disorders come under this scheme.

Also Read: Health Insurance: Advantages, Disadvantages, and Important Considerations

What Is Not Covered in Arogya Raksha Scheme?

While the Arogya Raksha policy in Andhra Pradesh provides comprehensive coverage for various healthcare needs, it also has certain exclusions. Exclusions refer to medical treatments, conditions, or situations that are not covered under the policy. Here are some exclusions found in the arogya raksha policy review:

  • Pre-Existing Conditions Waiting Period: Although Arogya Raksha covers pre-existing conditions from the start, there may be a waiting period for certain specific treatments related to pre-existing conditions.
  • Cosmetic Procedures: Procedures undertaken for cosmetic purposes rather than medical necessity are generally excluded from coverage.
  • Dental Treatments: Routine dental care, including dental check-ups, fillings, and non-accidental dental treatments, are often excluded. Some policies may cover dental treatments in case of accidents.
  • Vision Correction: Treatments such as corrective lenses or refractive surgeries like LASIK are excluded unless deemed medically necessary due to an accident or illness.
  • Infertility Treatments: Fertility treatments, including in vitro fertilisation (IVF) and related procedures, are excluded unless specifically covered by a separate rider or policy.
  • Alternative Therapies: Alternative or experimental therapies, treatments, or medicines that are not widely accepted or recognised by medical authorities may be excluded.
  • Non-Medical Expenses: Expenses not directly related to medical treatment, such as personal comfort items, telephone charges, and guest meals, are excluded.
  • Self-Inflicted Injuries: Injuries or illnesses resulting from attempted suicide or self-harm are not covered.
  • Injuries from Hazardous Activities: Injuries sustained while participating in hazardous activities such as adventure sports or illegal activities are excluded.
  • Pregnancy Termination: Expenses related to elective termination of pregnancy are usually excluded unless it's medically necessary for the health of the mother.
  • Congenital Conditions: Conditions or treatments related to congenital disabilities or birth defects may have limited coverage, depending on the policy terms.
  • Non-Emergency Transportation: Routine transportation costs for outpatient visits or non-emergency transfers are not covered.
  • Stem cell implantation/surgery: This kind of surgeries are not included.
  • Psychiatric and psychosomatic disorders: These kinds of disorders are exempted from the Arogya Raksha scheme.

Eligibility Criteria of Arogya Raksha

The Arogya Raksha scheme launched by the Government of Andhra Pradesh, is one of the plans that was launched to provide healthcare to everyone. It's sole purpose is to ensure cashless facilities to beneficiaries who have financial burden. Due to this objective, this scheme was made applicable for all with no eligibility criteria based on poverty lines.

Enrolment Procedure for Arogya Raksha Registration

Arogya Raksha registration can be completed either through an insurance company or by visiting a local kiosk.

Here are the detailed methods to register for the Arogya Raksha scheme.
  • Via an Insurance Company: You can register via an insurance company as well. You can do so by following these steps:
    • Decide on your preferred insurance company. Visit the website for details of the Arogya Raksha scheme.
    • Fill in all the essential details and finalise the process with the help of your agent.
    • You insurer will give you all the details. Finally, you can download your Arogya Raksha card.

  • Via the Local Kiosk: Arogya Raksha registration can also be done through local kiosks. You have to visit one nearer to your house and show your Aadhar card. Note that keeping an Aadhar card is important for the process of registration. Here are some points to keep in mind:
    • Carry your Aadhar card and a mobile phone number registered with the Aadhar card.
    • On visiting the local kiosk, you have to give your Aadhar number to the kiosk operator. They will generate a One-time password (OTP) for you for authentication.
    • Once the authentication process is completed, the kiosk operator will issue your Arogya Raksha card for immediate use.

Documents Required For Arogya Raksha Registration

For Arogya Raksha card download through either method, certain mandatory documents are required. Here is a list to review:
  • Aadhar Card
  • Address Proof
  • An active phone number

Procedure for Applying for Arogya Raksha Card:

Here are the steps to download your Arogya Raksha card:
  • Step 1: Open the Dr. YSR Aarogyasri Healthcare Trust’s website.
  • Step 2: Click on Arogya Raksha button.
  • Step 3: Tap on "Click here to enroll."
  • Step 4: Fill in your Aadhar card number in the box and clock on "Go."
  • Step 5: Enter your mobile number and select "Send OTP."
  • Step 6: Enter the OTP that has been sent on your mobile and click on "Verify."
  • Step 7: Choose a family member and click on "Download Health Card."

Also Read: Tips to Choose the Health Insurance Plan in India

Claim Process of Arogya Raksha:

The claim process for Aarogya Raksha, the health insurance scheme, involves specific steps to facilitate reimbursement or cashless treatment for medical expenses incurred by beneficiaries. Here's an outline of the typical claim process:

Cashless Claim Process:

  • Hospitalisation at Network Hospital:
    • When a beneficiary requires hospitalisation, they should choose a hospital that is empanelled under the Arogya Raksha scheme.

  • Pre-Authorisation:
    • Before undergoing treatment, the beneficiary or their representative should inform the hospital about their Aarogya Raksha coverage and request pre-authorisation for cashless treatment.
    • The hospital will then contact the insurer or Third Party Administrator (TPA) to seek approval for the treatment.

  • Verification and Approval:
    • The insurer or TPA verifies the beneficiary's eligibility and the treatment's coverage under the Arogya Raksha scheme.
    • Upon verification, approval is granted for cashless treatment. The hospital receives an approval letter or confirmation from the insurer/TPA.

  • Treatment and Discharge:
    • The beneficiary undergoes the necessary treatment as per the approved plan.
    • After treatment, the hospital prepares the final bill including all medical expenses incurred during hospitalisation.

  • Settlement:
    • The insurer/TPA settles the approved expenses directly with the hospital as per the terms of the Arogya Raksha scheme.
    • The beneficiary does not need to pay for the approved expenses covered under the scheme, except for any deductibles or non-covered items as per policy terms.

Reimbursement Claim Process (for Non-Cashless Claims):

  • Hospitalisation and Treatment:
    • If the beneficiary opts for treatment at a non-network hospital or cannot obtain pre-authorisation for cashless treatment, they pay for the treatment expenses directly.

  • Collection of Documents:
    • The beneficiary collects all original documents related to medical treatment and expenses, including bills, receipts, discharge summary, and any other relevant documents.

  • Submission of Claim:
    • The beneficiary submits a reimbursement claim form along with the original documents to the insurer or TPA within the stipulated time frame (usually within a specified number of days after discharge).

  • Claim Processing:
    • The insurer/TPA reviews the submitted documents and verifies the claim details, including eligibility and coverage under Arogya Raksha.
    • Additional information or clarification may be requested from the beneficiary or hospital if needed.

  • Approval and Settlement:
    • Upon approval, the insurer/TPA processes the reimbursement claim and settles the approved amount directly into the beneficiary's bank account.
    • Rejected claims or queries are communicated to the beneficiary, with reasons for denial or clarification required.

Note: Keep in mind that the beneficiary has to initiate the claim within 24 hours of the hospitalisation.

Claim for a Follow-up Treatment:

A follow-up treatment under Arogya Raksha scheme is cashless. The beneficiary can claim a follow-up treatment, but the hospitals have to send the following information to the insurance company:

  • Proof of follow-up services once in three months
  • Investigation reports
  • Consultation details
  • List of medicines prescribed
  • Acknowledgement of medicines from patients
  • Photographs showing that the patient has acknowledged the given medicines
  • Scanned copies of bills and diagnostic tests
  • Name and code number of the disease as per the package list

How to Check Arogya Raksha Claim Status?

You can reach out to your third party administrator (TPA) or by calling the customer care number for checking the status of your application. This step is to ensure that the individuals can check the status of their claim easily.

Arogya Raksha Policy Renewal via Indian Bank

Renewing your Arogya Raksha policy through Indian Bank involves a straightforward process. This is managed by your bank's branches or through online services.

Here is how you can apply for a renewal through Indian Bank:

Renewal Process:

  • Policy Expiry Notification: First, you will receive a notification from Indian Bank or the insurance provider. They will inform you about your policy expiry date before hand. In this way, you can apply for a timely renewal. The notification may be sent via email, SMS, or through physical mail.
  • Visit the bank branch or online portal:
    • Bank Branch: You can visit any branch of Indian Bank to initiate the renewal process. Approach the customer service desk or the insurance section for assistance.
    • Online Portal: Many banks, including Indian Bank, offer online banking services where you can renew your insurance policies. Log in to your Indian Bank account through their official website or mobile app.
    • Provide Policy Details: Whether you are renewing at the branch or online, provide your Arogya Raksha policy details such as policy number, insured details, and any other required information.
    • Payment of Premium: Pay the renewal premium amount using the preferred payment method accepted by Indian Bank. This could include cash payment at the branch, online banking transfer, or using debit/credit cards.
    • Confirmation and Receipt: After your successful payment, you will receive a confirmation of renewal. This may include a renewed policy certificate.

For more information, visit the Arogya Raksha policy renewal portal.

Arogya Raksha Hospital List:

The Arogya Raksha hospital list has all the hospitals that have been empanelled. This includes both private and public hospitals. You can visit these following hospitals and get cashless facilities and faster claims.

Here is a list of empanelled hospitals under Arogya Raksha scheme:

Government Hospitals:

Check out the empanelled government hospitals here.

Hospital Area Doctor
Area Hospital-Nandigama, Ah-ngma Krishna Dr. M. Majeedabi
Area Hospital, Atmakur, Ah-nel Nellore Dr. K. Chitanya
Area Hospital, Guntakal, Ahg-ant Anantapur Dr. Kalyan Chakravarthy
Area Hospital, Peddapuram, Ah-pdp East Godavari Dr. P.R.S.G. Varma
Area Hospital-nagari, Ahn-ctr Chittoor Dr. Subhashini
Area Hospital, Tadipatri, Aht-ant Anantapur Dr. B. Pullaiah
Area Hospital-Adoni, Ah-adni Kurnool Dr. B. Linganna
Area Hospital-Badrachalam, Ah-bdcm Badradri Dr. S. Jayaram Reddy
Area Hospital-Bapatla, Ah-bptl Guntur Dr. K. Vijaya Laxmi
Area Hospital-Chandragiri, Ah-chgri Chittoor Dr. Y. Devadas
Area Hospital-Cheerala, Ah-crla Prakasam Dr. D Lokanadham
Area Hospital-Golconda, Ah-glnd Hyderabad Dr. B. Nagabhushanam
Area Hospital-Gudivada, Ah-gdva Krishna Dr. T. Soodesh Babu
Area Hospital-Gudur, Ah-gdr Nellore
Area Hospital-Guntakal, Ah-gntl Anantapur
Area Hospital-Jangareddy Gudem, Ah-jrgm West Godavari Dr. S.V. Sivakumar
Area Hospital-Kadiri, Ah-kdri Anantapur Dr P. Ramanaiah
Area Hospital-Kavali, Ah-kvli Nellore
Area Hospital-Kuppam, Ah-kpm Chittoor Dr. T. Nagamanamma
Area Hospital-Madanapalli, Ah-mdpl Chittoor Dr. Paul Ravi Kumar

Private Hospitals:

Check out the empanelled private hospital here.

Hospital Area Doctor
7 Star Super Speciality Hospital, 7sh-kkd-eg East Godavari Dr. S. Veer Reddy
Aasha Hospital, Ash-ant Anantapur Dr. G V Somayajulu
Aayush Nri Lepl Healthcare Pvt Ltd, Aysh-bzw Krishna Dr. K Gopalakrishna
ABC Hospital, Abc-vkp Vishakhapatnam Dr. PV Ramesh Babu
ABC Hospital, Abc-vzg Vishakhapatnam Dr. K Nageshwar Rao
Abhaya Kidney Care Multispeciality Hospital, Akc-atp Anantapur
Abhilash Netra Vydya Sala, Anvs-kdp YSR Kadapa Dr. S Gurumurthy
Abhinav Niursing Home, Anh-vzr Vizianagaram Dr. Aparna Chinta
Abhiram Institute Of Medical Sciences, Ams-nel Nellore
Aditya Multi Care Hospital, Amch-vzg Vishakhapatnam
Aditya Multispeciality Hospital, Amh-gnt Guntur Dr. Krishna Sravanth Pakanati
Agraseni Hospital, Ash-knl Kurnool Dr. BC Pavan Kumar Singh
Ahalya Hospital , Ahly-gnt Guntur Dr. Uma Shankar.S.N
Ahalya Nursing Home, Anh-gnt Guntur Dr. Gowri Sankara Krishnarao Sanakkayala
Aims For Child Health, Aims-bzw Krishna
Akash Hospital , Ah-blr-dp Bangalore Rural Dr. Kailash N
Akira Eye Hospital , Aeh-rjmy East Godavari
Amar Orthopaedic Hospital , Amr-gnt Guntur Surath Amarnath
Amara Hospital A Unit Of Amara Raja Infra Private Limited , Ama-chi Chittoor Dr. Ramadevi Gourineni
Amaravathi Hospitals , Amrh-kdp YSR Kadapa Dr. K Praveen Kumar Raju

Arogya Raksha Follow-Up Packages

You do not have to worry about post-hospitalisation charges anymore. Under the Arogya Raksha scheme, you can get benefits of holistic healthcare with follow-up treatments. You can avail this benefit via cashless services that ensure continued recovery of the patient.

Here are the key components of Arogya Raksha Follow-up packages:
  • Cashless Follow-up: Cashless follow-up treatment begins at the 11th day from the day of discharge.
  • Covered Expenses: Follow-up packages include consultations with healthcare providers to monitor recovery progress after surgery or treatment, and diagnostic tests such as blood tests, X-rays, CT scans, or MRIs.
  • Easy Claim Process: The claim process for follow-up treatment is easy to follow, negating the hassle of filling multiple forms.
  • Quarterly Division of Follow-Up Packages: The follow-up packages are done in four parts annually. More funds can be availed during the first quarter, as patients often require additional support during this period after hospitalisation.

Note: You can view the cost for each follow-up on the website of Arogya Raksha.

Contact Arogya Raksha Anytime, Anywhere

In case of any inconvenience, you can reach the Dr YSR Arogyasri Health Care Trust via their contact number or reach their office address.

Contact Numbers for General Inquiries:

  • 0863 222 2802
  • 0863 225 9861

Address:

CEO, Dr. YSR Aarogyasri Health Care Trust
MGM Capital Building, Near NRI Y Junction,
Chinna Kakani(V),Managalagiri(M),
Guntur - 522508

Grievance Contact Details:


Medical Reimbursement Inquiries:


Get Free Treatment with Arogya Raksha

The Arogya Raksha scheme stands as a significant initiative in India's healthcare landscape, particularly in Andhra Pradesh, aimed at achieving universal health coverage. By offering cashless treatment, extensive hospital networks, and coverage for a wide array of medical expenses, including pre-existing conditions, maternity care, and surgical procedures, it addresses critical healthcare needs efficiently.

You can also explore multiple Government health insurance policies that are implemented for different sections of society. If you are opting for health insurance from companies, keep yourself aware of the tips to lodge a complaint in case of issues.

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FAQS – FREQUENTLY ASKED QUESTIONS

  • How long do I need to wait under the Arogya Raksha policy for pre-existing diseases ?

    You need to renew the plan at least 2 times before you can avail benefits for pre-existing diseases. This means the waiting period for pre-existing diseases is 48 months.

  • What are the renewal procedures for Arogya Raksha ?

    Beneficiaries can renew their Arogya Raksha policy through Indian Bank branches or online portals. This renewal involves paying the premium before the policy expiry date.

  • What is the maximum sum of insurance an individual can avail under the Arogya Raksha scheme ?

    According to the plans available under the Arogya Raksha policy registration, individuals can avail insurance sums ranging from ₹1 lakh to ₹10 lakhs. Plan A offers ₹1 lakh, Plan B offers up to ₹5 lakhs, and Plan C offers up to ₹10 lakhs for patients.

  • What is the grievance redressal mechanism for Arogya Raksha ?

    Beneficiaries can lodge grievances related to claim settlement, hospital services, or policy issues through dedicated grievance redressal mechanisms provided by the insurer, TPA, or the scheme administration. You can reach on this 83338 17424/23/20/07 (during office hours).

  • Who launched Arogya Raksha ?

    Arogya Raksha is a health insurance scheme launched by the Government of Andhra Pradesh to provide financial protection against medical expenses for eligible families.

  • Where can beneficiaries find the list of empanelled hospitals under Arogya Raksha ?

    The list of empanelled hospitals is available on the official website of Arogya Raksha or can be obtained from local government offices, health centres, or through the scheme’s printed materials.

  • What is the process for availing cashless treatment under Arogya Raksha ?

    Beneficiaries can avail cashless treatment at empanelled hospitals by presenting their smart health card and obtaining pre-authorisation from the insurer or TPA (Third Party Administrator).

  • How does reimbursement work under Arogya Raksha ?

    Reimbursement claims can be made for treatment expenses incurred at non-network hospitals by submitting a reimbursement claim form along with original bills and documents. You need to submit all the details within 24 hours of hospitalisation. The claim will be processed according to the terms and conditions of the policy.

  • Does Arogya Raksha include consumables and diagnostics ?

    Yes, Arogya Raksha policy covers consumables and diagnostics during hospitalisation, provided they are related to the treatment or surgery.

  • Can beneficiaries change their empanelled hospital during the policy period ?

    Yes, beneficiaries can request a change of empanelled hospital by contacting the insurer or TPA and following the prescribed procedure for updating their preferred hospital.

 

DISCLAIMER

The information contained herein is generic in nature and is meant for educational purposes only. Nothing here is to be construed as an investment or financial or taxation advice nor to be considered as an invitation or solicitation or advertisement for any financial product. Readers are advised to exercise discretion and should seek independent professional advice prior to making any investment decision in relation to any financial product. Aditya Birla Capital Group is not liable for any decision arising out of the use of this information.

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If you do not agree with any of these Terms of Use, you may not use this Website.

Authorisation to Facilities Provider

Whenever consent has been obtained/provided by you in any mode under these Terms and Conditions, for availing information/services related to ABC Companies, You agree and authorize the Facilities Provider to share/transfer/transmit your personal information with its ABC Companies and other third parties, in so far as required for offering of facilities through this Website and for analytical / marketing purposes /report generations and/or to offer connected facilities on the Website and may also include transfer/sharing/transmitting  of sensitive personal data or information only if it is deemed necessary for the performance of facilities and to provide you with various value added and ancillary facilities/services and information, to aid you in managing your money needs in the manner agreed under these Terms and Conditions and the privacy policy.  You agree to receive e-mails/SMS/phone calls and such other mode as permitted under law from the Facilities Provider or ABC Companies or its third-party service providers regarding the facilities updates, information/promotional offer and/or new product announcements and such other related information.

You also agree and authorize ABC Companies / its third-party service providers to contact you at the contact information provided for service related communication relating to your product or facilities offered even if your number is in National Do Not Call Registry.

You have the option to withdraw the said consent in the manner specified under these Terms of Use. Please also read the Privacy Policy for more information and details as provided on the Website. The Privacy Policy may be updated from time to time. Changes will be effective upon posting of the revised Privacy Policy on the Website.

One ID at Aditya Birla Capital

You can create a unique ID on the Website for managing and transacting all financial and non financial transactions with ABC Companies. One ID enables you to have a single login ID for viewing and transacting all your product and service needs across ABC Companies. One ABC ID can be created by you on the Website or any of the webpage of ABC Companies (Account.ABC.com sign up page.) by using your e-mail Id and login credentials as registered with the respective ABC Companies while availing the products / services and completing the authentication procedure in the manner specified at the time of creation of One ID.

Once you have created ONE ID you can link and view all your financial products held with ABC Companies on single web page through verification / authentication procedure as applicable to your account/financial products held with the respective ABC Companies.  

You may choose not to create One ID in which case you will not be able to display all your products across ABC Companies on one page. In circumstances like duplicate email id/phone number you may not be able to create the One ID. In such circumstances you must contact the ABCL Affiliate with whom you have held the product/availed the services to enable update the email id/phone number.

 In case you forget the username or password, you can reset the same using the forgot username and password link available on the Website and completing the authentication procedure specified on the Website.    

MoneyForLife Planner

To help you for your money needs you can avail the facility of MoneyForLife Planner (‘MoneyForLife Planner/ Planner’). MoneyForLife Planner facility is powered by Aditya Birla Money Limited, a subsidiary of ABCL. MoneyForLife Planner provides an indicative assessment of your money needs based on the factors like income, age, family members and their future, your future money requirements and current lifestyle status as per details filled in by you on the online questionnaire. The Planner provides an indicative view about the generic investment opportunities available in the manner indicated by you. The results provided by the Planner are generic in nature and do not necessarily reflect the actual investment profile that you may hold and it is not necessary for you to act on it. The Planner provides a generic indication of your money needs to enable you to prioritize your investment needs which are rule based. Therefore, the search results displayed by the Planner cannot be construed to be entirely accurate / comprehensive.

No fee or consideration or economic benefit either directly or indirectly is associated for availing the assessment through MoneyForLife Planner and therefore it is not to be considered as an investment advice or financial planning and / or investment advisory services.

You agree and understand that use of MoneyForLife Planner does not assure attainment of your investment objectives and there is no assurance that the money objectives will be achieved, as the same is subject to performance of the securities, the forces affecting the securities market and your risk profile. You are advised to consult an investment advisor in case you would like to undertake financial planning and / or investment advice for meeting your investment requirements.

You also agree that risks associated with any investment would be entirely yours and you would not hold ABCL and/or ABC Companies or any of its employees liable for any losses that may arise on account of any investments under taken basis the use of MoneyForLife Planner.

All investment decisions shall be taken by you in your sole discretion. You are advised to read the respective offer documents carefully for more details on risk factors, terms and conditions before making any investment decision in any scheme or products or securities or loan product. All investments in any product / fund / securities etc. will be on the basis, subject to and as per the terms and conditions of the specific product’s / fund’s / security’s offer document, key information memorandum, risk disclosure document, product or sales brochure or any other related documents which are offered by the respective issuer of such product/securities. You can use execution platform/services with any third party as deem fit and proper, and there is no compulsion to use the execution services through this Website.

Not an Investment Advisor, Planner, Broker or Tax Advisor

The facilities on the Website are not intended to provide any legal, tax or financial or securities related advice. You agree and understand that the Website is not and shall never be construed as a financial planner, financial intermediary, investment advisor, broker or tax advisor. The facilities are intended only to assist you in your money needs and decision-making and is broad and general in scope. Your personal financial situation is unique, and any information and advice obtained through the facilities may not be appropriate for your situation. Accordingly, before making any final decisions or implementing any financial strategy, you should consider obtaining additional information and advice from your advisor or other financial advisers who are fully aware of your individual circumstances. For more details, please also refer to the Legal Disclaimers provided on the Website.

Financial Solutions

We may provide you with various money solutions and options which are generally available basis your investment profile or those which are generally held by persons of similar investment profile. You authorize us to use/disseminate the information to provide the Financial Solutions however it is not necessarily for you to act on it. It only serves an indicative use of information which you may execute in the manner agreed by you.

Password Protection

You shall not be entitled to avail the facilities without the use of a user name and password. You are responsible for maintaining the confidentiality of your password and Account, and you shall not allow anyone else to use your password at any time. You are fully responsible for all activities that occur using your password or Account. You are requested to please notify www.adityabirlacapital.com immediately of any unauthorized use or access of your password or Account, or any other breach of security. The Website will not be liable for any loss that you may incur as a result of someone else using your password or account, either with or without your knowledge.

Intellectual Property Rights

This Website contains information, materials, including text, images, graphics, videos and sound (“Materials”), which is protected by copyright and/or other intellectual property rights. All copyright and other intellectual property rights in these Materials are either owned by ABCL or have been licensed to Facilities Provider, ABCL / ABC Companies by the owner(s) of those rights so that it can use these Materials as part of this Website. Other than those Materials which belong to Third Parties, ABC Companies retains copyright on all Information, including text, graphics and sound and all trademarks displayed on this Website which are either owned by or licensed to by ABCL and/or used under license by ABC Companies.

You shall not (a) copy (whether by printing off onto paper, storing on disk, downloading or in any other way), distribute (including distributing copies), download, display, perform, reproduce, distribute, modify, edit, alter, enhance, broadcast or tamper with in any way or otherwise use any Materials contained in the Website. These restrictions apply in relation to all or part of the Materials on the Website; (b) copy and distribute this information on any other server or modify or re-use text or graphics on this system or another system. No reproduction of any part of the Website may be sold or distributed for commercial gain nor shall it be modified or incorporated in any other work, publication or web site, whether in hard copy or electronic format, including postings to any other web site; (c) remove any copyright, trade mark or other intellectual property notices contained in the original material from any material copied or printed off from the web site; link to this Website; without our express written consent.

No Warranty

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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