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How Odisha is Revolutionising Healthcare with the BSKY Card?
The Biju Swasthya Kalyan Yojana (BSKY) is one of the most massive healthcare initiatives of the Government of Odisha under the leadership of the former Hon’ble Chief Minister, Shri Naveen Patnaik. It endeavours to ensure access to quality healthcare services for economically vulnerable sections of society.This guide will help you learn everything you need to know about the BSKY card, along with the steps involved in the BSKY application online process and check the BSKY hospital list. You will additionally learn how to benefit from this program. From the Biju Swasthya Kalyan Yojana beneficiary list to guidance about filling out the BSKY application form.
Key Highlights
- Know about Biju Swasthya Kalyan Yojana details.
- Know the Biju Swasthya Kalyan Yojana online application process and how to get the Biju Swasthya Card.
- Know about the Biju health card and BSKY hospital list.
- Learn how to avail of healthcare services.
- Explore the Biju Swasthya Kalyan Yojana beneficiary list.
- Learn how to apply online for the Biju Swasthya card.
Why Should You Get a BSKY Card?
The Biju Swasthya Kalyan Yojana by the Government of Odisha is a landmark initiative in healthcare that redefines health access for the people of the state. Conceived with a vision of “Health for All”, the scheme has an all-encompassing approach to healthcare, ensuring that everyone can access treatment from health experts without the burden of financial hardship.Under Biju Swasthya Kalyan Yojana details, you get a BSKY card - the most important aspect of the scheme and the passport to a whole array of healthcare benefits. This enables adequate access to both public and private health services, thus filling the gap between quality healthcare and affordability. The scheme shows that the government cares about the health of its citizens as getting timely medical attention is a right rather than a privilege.
Objectives of the BSKY Card
The objective of the BSKY card is to reduce the financial burden that acts as a gap in accessing the needs of required medical care. In a nutshell, the scheme aims at:- Providing free health care services to all families - from the richest to the poorest section—more to the poor and vulnerable sections of society.
- Assure all the citizens have free access to comprehensive health coverage and preventive healthcare, besides promotive, curative and rehabilitative services.
- Offer accessibility of quality medical services for people living in remote and rural villages.
Biju Swasthya Card from Biju Swasthya Kalyan Yojana
The BSKY card is associated with the BSKY initiative. It is designed to provide access to various healthcare services to its beneficiaries. The significant features of the BSKY card include:Cashless Treatment
Cashless treatment is provided through an extensive network of empanelled hospitals across the state. Therefore, you as a beneficiary do not need to bear any expense of the hospital/day care centre in the network listed in the policy.Wide Coverage
The medical scheme gives wide coverage of treatments that span from simple and most basic health services to complex surgery cases. This means that it will support all treatment including various diagnostic tests, and even post-operative medication, thereby ensuring that you get complete medicinal care.Incorporation of Pre-existing Conditions
Unlike conventional health insurance policies that generally impose waiting periods for pre-existing diseases, the BSKY card does not have any such restrictions. This feature is a great support, especially for people with chronic ailments requiring ongoing care.Special Schemes for Women and Senior Citizens
Knowing the special needs of women and senior citizens, the scheme provides higher coverage limits to such groups. For instance, the women population, especially pregnant women, are entitled to sufficiently accommodative reach to maternal and child health services, whereas, care for elderly people with age-related ailments is also provided.Impact and Reach of the BSKY Card
From its initiation, the BSKY card has drastically changed the health scenario in Odisha. The scheme has:- Enabled households to access proper healthcare without any financial burden.
- Reduced the share of out-of-pocket spending, which has been a critical factor in poverty and indebtedness due to huge expenses for medical services.
- Reduced morbidity and mortality by providing optimal and urgent medical services.
The State Health Department administers the BSKY card with the support of many stakeholders, particularly public and private healthcare providers. The scheme runs with a well-designed monitoring system to ensure that you receive the intended benefits. Besides regular audits by the government, the beneficiary feedback system ensures accountability and transparency.
Prospects for Future
The Government Of Odisha aims to broaden the scope of the BSKY card by increasing the number of empanelled hospitals to include a greater geographical area. With the introduction of more specialised categories of healthcare and treatment services under the scheme, effective technology will help reduce the turnaround time and simplify the application and claims processes.Also Read: Unlocking Agricultural Potential with Pradhan Mantri Krishi Sinchayee Yojana (PMKSY)
How to Apply For the Biju Swasthya Card
follow the below-mentioned steps for an online application to get the Biju Swasthya card:- Visit the official website of BSKY card
- Fill in the online registration form with all necessary details.
- Upload the documents that are to be submitted for proof of residence, identity proof, and income certificate.
- You will have to wait for the verification to be done from the side of the authorities.
- After successful verification, you shall get your Biju Swasthya card.
How to Use the Biju Health Card?
Understand the below aspects to use the facilities of a Biju Heath card:- Know the Empanelled Hospitals: See the list of hospitals where the Biju Health card is accepted.
- Show Your Card: Show your card at the hospital's reception to get the service on a cashless basis.
- Follow Procedures: Get the treatment at the hospital following the procedures under the scheme.
Biju Swasthya Kalyan Yojana Details for Eligibility Criteria
To avail of all the benefits of the Biju health card, there are some eligibility criteria so that the real benefits go to the deserving beneficiary of this scheme. Here are some key eligibility requirements:Residence
The basic criterion is the nature of residency. The applicant should be a permanent resident of Odisha. Necessary documents in support of residency can be :- Voter ID card
- Ration card
- Aadhar card
- The recent utility bills that state the name and address of the applicant
Income
The eligibility criterion includes income as the primary factor. This scheme is to assist applicants from the lowest income groups. The applicants need to come within the limits of income as defined by the following under the scheme:- BPL Households: All families listed under the BPL category are directly eligible to avail of the benefits provided by Biju Health card.
- Low-Income Households: Families whose household earnings are below the limit prescribed by the government. There may be changes, so applicants must regularly check the latest updates on the official website of BSKY.
Category
Some groups of people and families receive greater emphasis and unique considerations under the Biju Swasthaya Kalyan Yojana. These groups are:- BPL Families: Families legally recognised as living below the poverty line receive priority under the program.
- Farmers: Due to the high reliance and interest of the state economy in agriculture, this program offers special packages for farmers. Farmers having Biju Krushak Kalyan Yojana cards get different health services.
- Vulnerable Groups: Other vulnerable groups like the elderly, differently-abled, and pregnant women are prioritised so that appropriate healthcare support can be extended to them.
Also Read: Know the Benefits of Pradhan Mantri Jan Dhan Yojna
BSKY Hospital List
The BSKY hospital list indicates all empanelled medical institutions under the Biju Swasthya Kalyan Yojana. The list includes a variety of public and private hospitals for complete coverage and access to quality healthcare. Here is an illustrative indication of the hospitals under the scheme:Public Hospitals
Across Odisha, massive numbers of public hospitals are part of the BSKY network of hospitals. These hospitals can offer a wide range of medical services. Public hospitals may typically include:- District Hospitals: These are secondary healthcare hospitals, adequately equipped to provide several treatments for different medical conditions.
- CHCs (Community Health Centres): These are established in rural localities to provide basic health care so that people in remote areas can benefit from the healthcare services.
- PHCs (Primary Health Centres): They are the first point of medical service providers in rural areas. They provide primary services and refer to other hospitals, if the situation demands.
Private Hospitals
Biju Swasthaya Kalyan Yojana empanels private hospitals to enhance access to quality health services. The empanelling of the private hospitals is carried out on their ability to provide specialised and advanced medical treatments. Private hospitals on the BSKY hospital list offer medical treatment at an advanced level, including specialised treatments and surgeries that public hospitals may not offer.- Better Infrastructure: Most private hospitals have an improved infrastructure and the latest facilities to provide required medical attention.
- Quicker Services: Private hospitals offer quick medical services, reducing the waiting time between treatments and required procedures.
Getting BSKY Hospital List
BSKY hospital list keeps getting updated with new additions of hospitals and the exclusion of previous hospitals that do not fit the scheme criteria anymore. You can get the latest list through the following means:- BSKY Official Portal: BSKY hospital list can be found on the official website of BSKY. You can find all the empanelled hospitals based on their location (district) or type of services sought.
- BSKY Mobile App: Easy access to the list of hospitals and other scheme-related information is possible with a dedicated mobile application.
- Local Health Offices: A hard copy of the BSKY hospital list is generally found in local health offices.
Biju Swasthya Kalyan Yojana Beneficiary List
Biju Swasthaya Kalyan Yojana beneficiary list ensures transparency for the scheme's execution. The government updates the list periodically. It helps update the public about the list of individuals and families successfully enrolled under the BSKY scheme.Ways to Know the Beneficiary List
You can access the Biju Swasthaya Kalyan Yojana beneficiary list through several convenient methods:- Website: The most efficient way is through the official BSKY website. You must log in, search, and view the Biju Swasthaya Kalyan Yojana beneficiary list.
- District Offices: If you do not have internet access, the lists of beneficiaries will be available at the district health offices.
The government uses community centres in rural areas to stamp and verify the Biju Swasthaya Kalyan Yojana beneficiary list.
Information Listed in the Biju Swasthaya Kalyan Yojana beneficiary list
The beneficiary list contains all the information about the beneficiaries. Being an all-inclusive list, it includes the following information:- Names of the Beneficiary: Full names of the beneficiary and his family members enroled in the scheme.
- Unique Identification Number: Every beneficiary is entitled to a unique ID so that he remains enlisted uniquely.
- Dates of Enrolment: The date of enrolment of the beneficiary under the scheme.
- Coverage Information: Information related to the health coverage and other benefits provided to each beneficiary.
Benefits of the Beneficiary List
By publishing the Biju Swasthaya Kalyan Yojana beneficiary list at regular intervals, the government ensures:- Transparency: The process of enrolment and providing benefits becomes entirely transparent. This gains a lot of confidence among the public.
- Equitable Distribution: The beneficiary list being publicised in front of people helps them ensure that there is proper distribution.
What if There are Errors?
The following steps will be executed if the beneficiaries have any discrepancies or differences in findings within the Biju Swasthaya Kalyan Yojana beneficiary list:- Contact BSKY Helpline: You can call up the helpline number mentioned on the official website of BSKY.
- Visit Assistance Centres: Go to the nearest BSKY card assistance centre with the documents needed for verification and correction.
- Lodge A Grievance: You can register a formal grievance on the portal or book an appointment at the district health office, Fill in and submit the grievance form, after which, the correction process will be initiated.
BSKY Card Details
The Biju Swasthya Kalyan Yojana card is the document that allows access to different healthcare-related benefits under the BSKY scheme. This card is given to every enrolled beneficiary and is proof of his or her entitlement to benefits under this scheme.Personal and Family Information
The Biju Swasthaya card includes the following information:- Cardholder Name: Full name of the beneficiary.
- Photograph: A recent photograph of the BSKY cardholder for easy identification.
- Unique Health ID: This is a unique identification number issued to the holder of the BSKY card.
It also comprises the below details regarding the family members of the BSKY cardholder:
- Names of the Family Members: The full names of the family members who are beneficiaries.
- Relationship of the Insured with the BSKY Cardholder: Relationship of each such insured member with relation to the primary cardholder.
The Benefits and Maximum Cover of the BSKY Card
The Biju Swasthaya card outlines the cover limit and benefit entitlement for which the beneficiaries own the right to:- Annual Coverage Limit: The total amount of financial assistance available to the family per year for medical treatments.
- Special Coverage: Extra coverage for certain groups like women, senior citizens, and children.
Types of Treatments Covered Under Biju Health Card
A list of medical treatments and services have been covered under the scheme. These include surgeries, hospitalisation or even outpatient consultations.How to Use Biju Health Card?
Beneficiaries will be required to produce the BSKY card at an empanelled hospital/healthcare centre to avail the health services:- Verification: The hospital staff will verify the details mentioned on the BSKY card, which will be matched with the BSKY database.
- Cashless Treatments: You will be able to avail of cashless treatments for services that are included in the scheme, subject to verification.
- Record of Services: Every treatment that you get under the scheme will be recorded and linked to the unique ID of the BSKY cardholder for reference at any point in the future.
Importance of Keeping the BSKY Card Safe
The Biju Swasthya Kalyan Yojana Card has to be kept safe and in good condition by the beneficiary because of the following reasons:- Access to Benefits: Without the BSKY card, you might not be able to access benefits accrurately under the scheme.
- Identity Verification: Biju Health card acts as an important identification document necessary to be produced for getting healthcare services under BSKY.
Also Read: PMAY List 2024 - Check Pradhan Mantri Awas Yojana List (Gramin & Urban)
Replacement and Renewal of the BSKY Card
In case of loss, damage, or expiry, you must renew your BSKY card.- Report Loss/Damage: Report to the nearest BSKY assistance centre immediately regarding the loss/damage of the BSKY card.
- Submit Application: Submit the filled-in application for replacement or renewal form. This form can be downloaded from the website or obtained from the assistance centre.
- Verification Process: Verified for authenticity of the request.
- New Card: A new card will be provided to you after successful verification.
Procedure for Renewal of BSKY Card
Renewal of the BSKY card should be done regularly to avail of the benefits without any discontinuation. Following the steps given below:- Checking Expiry Date: Check the expiry date of your current Biju Health card.
- Application Submission for Renewal: Submit your application for renewal for Biju Swasthya Kalyan Yojana online before it expires
- Verification: Verification is provided by the concerned authorities.
- Get a New Card: A renewed card is issued after successful verification.
Biju Krushak Kalyan Yojana Card Details
Biju Krushak Kalyan Yojana is a sub-scheme of a larger Biju Swasthya Kalyan Yojana, with a dedicated focus on the agricultural community of Odisha. Understanding the pivotal role that farmers play in the economy of the state and their precarious financial conditions, Biju Krushak Kalyan Yojana provides complete healthcare solutions.Objective and Scope
The Biju Krushak Kalyan Yojana has a prime goal of extending the benefit of healthcare specifically to farmers and their families. This is, therefore, a sub-scheme of the larger attempt that the government wants to develop to improve the plight of the agriculturists, who require quality medical care they cannot afford. The scheme is also focused on the health needs of the farmers to ensure it improves productivity and contributes to the overall development of the rural economy.Key Features and Benefits
Increased Coverage Limits: Farmers covered under BKKY are offered increased coverage limits compared to the general population. This includes increased financial support for surgeries critical treatments or hospitalisation.- Covering Pre-existing Conditions: One of the major benefits arising out of the Biju Krushak Kalyan Yojana is its covering pre-existing medical conditions under its scope. That means farmers are entitled to treatment for the chronic ailment, without extra worry of money.
- Cashless Treatment Facilities: The scheme provides farmers with cashless treatment facilities in empanelled hospitals, which reduces the out-of-pocket immediate expenses and further financial burdens during admissions and treatment in hospitals.
- Healthcare Network: In its BKKY, the list of hospitals under BSKY is incredibly wide, and varies from private to public across the state. They establish such a wide network so that their farmers can avail these medical facilities around them and avoid transportation costs and other various hassles.
- Family Coverage: This BKKY card covers, besides the farmer, even the immediate family members. This, therefore, is the holistic approach to the health and well-being of the whole family, which is very important for the overall stability and productivity of farming households.
- Health Check-up Camps and Special Camps: The arrangement of regular health camps in rural areas with free check-up facilities solves various health problems of the farmers before they occur. The preventive care that these camps provide with early diagnosis and treatment could reduce long-term health risks and related costs.
Application Procedure for BKKY
The application process for the Biju Krushak Kalyan Yojana is structured, and the farmers desiring to avail of this scheme need to apply in the following manner:- Verification of eligibility: The farmers will have to verify their eligibility by the qualifications set out for availing themselves of the scheme. They shall have to show evidence that they are farmers and residents of Odisha.
- Documents required: Documents for identity, documents for residence, documents of land ownership, and certificates of income. All these documents would verify for themselves that the benefits go to those people who need them.
- Registration: Eligible farmers can register for BKKY through the official BSKY portal or at designated registration centres. This includes the procedure of filing the BSKY application form and the submission of the supporting documents.
- Issuance of Biju Krushak Kalyan Yojana Card: After authentication, the eligible farmer will receive the Biju Krushak Kalyan Yojana Card, which will be necessary to show in the Health institutions to take the benefits under the scheme.
Benefits of the BKKY Card
The following steps would help farmers maximise the benefits under Biju Krushak Kalyan Yojana:- Awareness programmes: In this respect, the participation of both the government and NGOs in such awareness programs may help the farmers gain knowledge on the benefits available under the scheme.
- Regular health check-ups: Periodic health camps and check-ups ensure early diagnosis and treatment of health issues.
- Empanelled Hospital Network: One should be aware of the empanelled hospital in his locality. So that when the necessity arises, he gets access to the hospital services without time loss.
BSKY Card Common Problems and Solutions
While registering or using the BSKY Card, you will come across some common problems, as listed below:- ISSUE: Registration Delays
- SOLUTION: Make sure all the documents are submitted properly without any unnecessary delays.
- ISSUE: Hospital Refusals
- SOLUTION: If the empanelled hospitals deny service, then bring this information to the notice of BSKY authorities
Get a BSKY Card and Ensure a Healthier Tomorrow!
The Biju Swasthya Kalyan Yojana by the Government of Odisha is one such revolutionary step toward making quality healthcare accessible to all. One needs to be conversant with the benefits of the scheme and how to apply for a BSKY Card. Look no further than Aditya Birla Capital Health Insurance for information and applying for comprehensive health insurance.FAQS – FREQUENTLY ASKED QUESTIONS
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What is the Biju Swasthya Kalyan Yojana ?
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How do I apply for the BSKY Card ?
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What are the documents required to apply for the BSKY Card ?
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How do I find out if my hospital is empanelled under the BSKY Card ?
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How do I know whether my hospital is empanelled under BSKY ?
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Who all are eligible for the Biju Swasthya Kalyan Yojana ?
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How do I renew my BSKY Card ?
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What if my application is delayed ?
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Are there provisions for senior citizens in the BSKY Card ?
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Where can I get the detailed scheme of the BSKY Card ?
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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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