Terms and Condition

 

Terms of Use

Please read the Terms of Use carefully before using this website/mobile application.

By visiting this website/mobile application, you unconditionally agree to be fully bound by its terms and conditions. The information, content and services contained in this website/mobile application and the terms and conditions are subject to change and can be revised at any time at the sole discretion of Reliance Health Insurance and without any prior notice. You are bound by any such revisions and therefore we advise you to review these terms and conditions every time you use this web site and periodically to stay apprised of any and all changes. By using the website/mobile application and accessing its content, you acknowledge and agree that you have read and understood the following terms of use.

Information provided on the website/mobile application should not be treated as an offer, solicitation, invitation, advice regarding any insurance product or services of Reliance Health Insurance. The use of this website/mobile application by any one is subject to its terms and conditions, any and all applicable laws and government notifications, rules, regulations and guidelines issued by the Insurance Regulatory and Development Authority of India and other regulatory and/or governmental and/or statutory bodies. By visiting this site, you agree to permit Reliance Health Insurance to communicate with you, from time to time, about its products and services, unless you decide to unsubscribe from receipt of such communications by following the instructions stated in said communications.

Use of the content

The content as has been made available and is made available from time to time is intended for informational purposes only. The posting of contents by Reliance Health Insurance and access to this website/mobile application by you does not constitute provision of services or products by us, either explicitly or implicitly. All advertisements contain only an indication of cover offered in the products. For detailed information please read the policy wordings carefully before concluding a purchase.

Customer Contact

You authorize Reliance Health Insurance to call, send SMS and email or to contact you by any other similar means on the contact information (made available by you on our website/mobile application either at the time of subscription, making an inquiry, making an application for any of the products/services offered or otherwise), offer you information and services for the product you have opted for and with regards to our other products and services that you may be interested in. You authorize us to call, SMS or email or contact you by way of any other similar means for the mentioned purpose irrespective of whether you are registered with the NDNC registry for a period of 30 (Thirty) days from your furnishing of the information.

We will also use your contact details information to:

  • Send you information about products and services offered by Reliance Health Insurance and Reliance Capital Group Companies.
  • To contact you through SMS and email for policy reminder notices, claims processing
  • To keep you updated on the insurance sector and Reliance Health Insurance through our newsletters

We do not share your personally identifiable information with others, except as follows:

We may share your information with the other Reliance Group to offer you the products and services of the various Reliance Group companies, if you opt for the same. . Further, we may also share your information as required by law or in the interest of protecting or exercising our or others’ legal rights, e.g., without limitation, in connection with requests from law enforcement officials and in connection with court proceedings.

In event you do not wish to receive such information, you may unsubscribe through the facility in the communications you receive.

Modification/Updating of Site Content

We reserve the right to change, modify, add to, or remove, portions of these terms of use at any time at will and in the event that we are required to do so as a result of any IRDAI regulations or as required by law for any other purpose and as amended or made applicable from time to time and as per company policy. In the event that any material changes are made, we shall inform you by way of a notice displayed on our home page for a period 30 days from such change.

Refund & Cancellations:

You can get in touch with our Customer Care at 022-33426868 or email to reliancehealth.service@relianceada.com to initiate the process. Please be informed that cancellations and refund will be subject to the terms and conditions of the policy opted by the customers.

Indemnity

You shall indemnify, defend and hold harmless Reliance Health Insurance (including its officers, directors, employees, affiliates, group/promoter companies, agents/ intermediaries, representatives or subcontractors) from any and all claims and losses imposed on, incurred by or asserted as a result of or related to:

(a) Your access and use of this website/mobile application;

(b) Any non-compliance with the terms and conditions hereof;

(c) Any third-party actions related to your receipt and use of the information without authorization;

(d) Misuse of your user ID and password;

(e) Any unauthorized use of your account and/or this website/mobile application by you or someone using your computer.

You shall be liable to pay any and all costs, damages and expenses, including by RHI including, but not limited to, reasonable attorneys' fees and costs awarded against or otherwise incurred by or in connection with or arising from any such claim, suit, action or proceeding attributable to any such claim.

Limitation of liability

Reliance Health Insurance hereby disclaims any and all liability with regards to the accuracy, completeness and or suitability of the content and information as is provided on the website/mobile application and any information and/or content that may be provided thereon from time to time. Reliance Health Insurance expressly disclaim any liability, whether in contract, tort, strict liability or otherwise, for any direct, indirect, incidental, consequential, punitive or special damages arising out of or in any way connected with your access or use or inability to access or use of the Reliance Health Insurance website/mobile application or reliance on its content, or any failure of performance, interruption, defect, delay in transmission, computer viruses or other harmful components, or line or system failure associated with the Reliance Health Insurance website/mobile application, regardless of our knowledge thereof. Reliance Health Insurance shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property as a result of your access to, use of, or browsing in the website/mobile application or your downloading of any materials, data, text, images, video, or audio from this website/mobile application

Reliance Health Insurance follows generally accepted industry standards to protect the personal information submitted to us. However, no method of transmission over the internet, or method of electronic storage, is 100% secure. Therefore, while we strive to use industry best practices to protect your personal information, we do not guarantee its absolute security. Further, we disclaim any liabilities to that effect.

Types of Data and Passive Data Collection

When you visit the site, we may passively track information on your computer and Internet connection, such as the IP address of your computer and/or Internet service provider, the date and time you access the site, the Internet address of website/mobile applications from which you link to our site, the computer/mobile technology you are using and your movements and preferences on our site. We may use other commonly used methods, including, without limitation,“cookies”or small data files stored on your computer’s hard drive, to collect such information. In some instances, we may use cookies to collect information in connection with future visits to our website/mobile application, to recognize you as a previous visitor, or to track your activity on our site. If you follow a link to the site from an affiliate or promotion, we store information about your arrival from that affiliate or promotion in a session cookie. You do not need to have cookies turned on to visit our site. You can refuse cookies by turning them off on your browser. But, if you want to access web pages that require registration, you need to accept a mandatory session cookie, which you can delete after you leave the site.

Combinations: Unless you also actively submit personal information such as your name or address, etc. passively tracked data does not typically allow us to identify you personally. To the extent permitted by applicable law, we reserve the right to combine passively tracked data with personal data that you actively submit.

We shall also be collecting yours and the other insured members personal information through the Identification documentations that you submit at the time of purchasing a policy. You hereby consent to our use of such Identification Document number and details to link all the policies of the Company that you are associated with, in any capacity. Further, where you are sharing the Identification Document details of the other insured, you hereby state that you have been duly authorized by the insured to submit their Identification Document number and details, and that they have consented to our use of such Identification Document number and details to link all the policies of the Company that they are associated with.

Use of the information collected:

We collect passively tracked data primarily for purposes of administering, protecting and improving our site and our systems, to better understand the preferences of our site visitors, to identify server problems, to compile aggregated statistics about site usage, and to help personalize your experience on our site. We do not deliver third party online advertisements on our sites but we may advertise our products and services on others’ Web sites. We also may work with service providers to deliver retargeting advertisements and other advertisements on our behalf to visitors of our website/mobile application.

Security Measures

Only authorized personnel have access to your information. Our systems and procedures are designed to prevent the loss, misuse, unauthorized access, disclosure, alteration, and destruction of your information. Our commitment to security extends to the contracts and agreements that we sign with external suppliers and service providers. We will only retain your information for as long as required for the purposes for which it was collected and/or as per any legal or regulatory requirements.

We may use the data that we collect both passively and actively, to:

  • Identify you;
  • Understand your needs;
  • Confirm your application information and assess your eligibility for products and services;
  • Provide you with ongoing services, establish and maintain communication, and to respond to your inquiries;
  • Investigate and settle your claims, and determine your eligibility for benefits;
  • Provide information that may be of interest to you, and;

Meet our regulatory requirements.

Data Protection

Confidentiality: Reliance Health Insurance shall take all reasonable precautions to preserve the confidentiality and prevent any corruption or loss, damage or destruction of the data and information provided by you, in keeping with industry standard practices. All personal medical information will be kept confidential and shall only be disclosed to those involved with your treatment or care, or third party service providers who may be responsible for meeting your treatment expenses, or their agents, subject to them being bound by strict confidentiality obligations. However, Reliance Health Insurance reserves the right to collect statistical, anonymous and aggregate data based on your usage of the website/mobile application, such information shall not consist of any of your private and sensitive information (such as your name, address, phone number, etc.) or your financial information (such as payment details, bank account details, etc.), to understand user behaviour and characteristics and to inform advertisers of such information as well as the number of users that have been exposed to or clicked on the advertising banners.

Password: Certain services on the website/mobile application may require authentication procedures. You would be able to access such services by using the user ID and the password. Reliance Health Insurance shall take reasonable care to ensure the security of and to prevent unauthorized access to the services, which are part of the website/mobile application, however you will be the sole and exclusive owner of user ID and the password. You shall ensure the confidentiality and protection of the user ID and the password and shall ensure that the password/s is/are not revealed to any third party or recorded in any written or electronic form. You shall change the password at regular intervals. In addition to user ID and password, Reliance Health Insurance may, at its discretion, require you to adopt such other means of authentication including but not limited to digital certification and / or Smart Cards and/or Two Factor Authentication like Public or Private Keys / Risk Engine / Challenge Questions. Internet per se is susceptible to a number of frauds, misuse, hacking and other actions that could affect payment instructions / other instructions to the bank through the payment gateway. Reliance Health Insurance shall aim to provide security to prevent the same, however, there cannot be any guarantee from such internet frauds, hacking and other actions that could affect payment instructions / other instructions including result in delay or failure in processing the instructions. Therefore we disclaim any liabilities to that effect.

Payment transaction at a cybercafe/shared computer terminal is risky and you shall not use the services of a cybercafe/shared computer terminal to do any such transactions.

Payment instruction

The premium to be paid for purchase of (Online) insurance policy shall necessarily be through net banking account or credit/debit card issued in the proposer/policyholder’s name.

Note: As per Regulation 3(d), 3(f) & 3(g) of Insurance Regulatory and Development Authority (IRDAI) (Manner of Receipt of Premium) Regulations, 2002, the premium shall be paid by proposer or by the policyholder through credit/debit card held in his/her name and by no other means.

When Reliance Health Insurance receives transaction instructions from you through the payment mode, Reliance Health Insurance will be entitled to debit any payment plus any charges payable for the transaction from the account you have specified. Reliance Health Insurance shall not be liable if any transaction does not fructify or may not be completed or for any failure on part of the bank or the credit card agency to perform any of its obligations.

Reliance Health Insurance shall have no liability whatsoever in respect of any loss or damage arising directly or indirectly out of the decline of authorization for any transaction, on account of the cardholder having exceeded the preset limit mutually agreed to by the cardholder with the card issuing entity.

Evidence of transaction: In respect of any transactions which may be permitted by Reliance Health Insurance via its website/mobile application from time to time, Reliance Health Insurance's own records of such transactions, maintained through computer systems or otherwise, shall be accepted as conclusive evidence and binding on you for all purposes. More particularly, the record of Reliance Health Insurance generated by the transaction(s), including the recording of the time of the transaction(s), shall be conclusive proof of the genuineness and accuracy of such transactions.

Force Majure

Reliance Health Insurance shall not be liable if any transaction does not materialize or may not be completed or for any failure on its part to perform any of its obligations under these terms and conditions or those applicable specifically to any services, if the same is prevented, hindered or delayed by a Force Majeure and in such case its obligations shall be suspended for so long as the Force Majeure event continues. "Force Majeure" means any event due to any cause beyond the reasonable control of the Reliance Health Insurance, including without limitations, sabotage, fire, flood, explosion, acts of god, civil commotion, strikes or industrial action of any kind, riots, insurrection, war, acts of government, faults or failures in telecommunication, unavailability of any communication systems, breach, or virus in the processes or payment or delivery mechanism, computer hacking, computer crashes, malfunctioning in the computer terminal or the systems getting affected by any malicious code, unauthorized access to computer data and storage devices, destructive or corrupting code or program, mechanical or technical errors/failures or power outage, etc.

Declaration & Warranty

You agree to have read and understood the brochure, prospectus, sales literature & Policy wordings and confirm to abide by the same.

Disclaimer

TO THE FULLEST EXTENT PERMISSIBLE AND PURSUANT TO APPLICABLE LAW, THE MATERIALS ON THIS WEBSITE/MOBILE APPLICATION ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESSED OR IMPLIED AND RELIANCE HEALTH INSURANCE LIMITED. AND ITS AFFILIATES, DISCLAIM ALL WARRANTIES, EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR ANY PURPOSE.

Reliance Health Insurance does not warrant that your usage and the availability of the website/mobile application and any of the content and materials thereon will be uninterrupted or error-free, that defects will be corrected, or that this website/mobile application or the server that makes it available are free of viruses or other harmful components. Reliance Health Insurance does not warrant or make any representations regarding the use or the results of the use of the materials on this website/mobile application in terms of their correctness, accuracy, reliability, or otherwise. The information and descriptions contained herein are not intended to be a complete description of all terms, exclusions and conditions applicable to the products and services, but are provided solely for general informational purposes.

This website/mobile application may be linked to other website which are not maintained by Reliance Health Insurance. Reliance Health Insurance is not responsible for the content of those website. The inclusion of any link on our website/mobile application does not imply approval of or endorsement by Reliance Health Insurance of the website or the content thereof.

Reliance Health Insurance is not responsible for any communications that you may receive from such third party website.

Your use of such third party website shall be subject to the privacy policy, terms and conditions and any other restrictions as may be specified there in. Reliance Health insurance does not endorse these third party website and disclaims any and all liability resultant from your use thereof or related thereto.

No Warranty

Reliance Health Insurance has taken due care and caution in compilation of content for its website/mobile application. However, Reliance Health Insurance does not guarantee the accuracy, adequacy or completeness of any information on this website/mobile application and is not responsible for any errors, omissions or for the results obtained from the use of such information. The information contained in this website/mobile application, are provided "as is" and on an "as available" basis. Reliance Health Insurance disclaims any financial liability whatsoever to any user on account of the use of information provided on its website/mobile application. The information contained is neither intended nor implied to be a substitute for professional medical advice, medical diagnosis or treatment.

This website/mobile application may also provide links to other website operated by advertisers and third parties. These will allow you to leave www.reliancehealthinsurance.com. The linked sites are not under the control of Reliance Health Insurance and Reliance Health Insurance has not reviewed and/or approved these sites and/or any of their content. Reliance Health Insurance shall not be responsible for the content or any omissions therein for any such linked site or any links contained in a linked site. The inclusion of any linked site does not imply any direct or indirect endorsement by Reliance Health Insurance of the site. Reliance Health Insurance disclaims all responsibility for any inaccuracy, error, falsity and/or omission in any material appearing on any linked site. Third party links shall be governed by their respective website usage terms. It will be the express responsibility of the user to ensure compliance with the third party website usage terms and Reliance Health Insurance disclaims any and all liabilities with regards thereto.

The information and reference material available or made available on the website/mobile application does not constitute a recommendation, advice or medical and/or legal opinion by Reliance Health Insurance, whether with regards to any medical practice, particular medicine, or to buy any policies or otherwise, Any reference material or information provided on the website/mobile application or as may be provided from time, whether by way of a chat or discussion with one of Reliance Health Insurance’s personnel or even with any certified medical professional, shall not in any way be construed as a recommendation, advice or medical and/or legal opinion by Reliance Health Insurance. You shall be solely responsible for any decisions, which you arrive at after your own evaluation of the policies / products of Reliance Health Insurance and your need for the same post consultation with any of your advisors. While reasonable care would be taken to ensure completeness, accuracy, etc. of the information/services provided, neither Reliance Health Insurance nor any of their personnel shall in any circumstance be liable for any loss or damage caused by your reliance on information obtained through the website/mobile application. It is your sole responsibility to evaluate the completeness, accuracy or usefulness of any opinion, guidance or other content made available on the website/mobile application and you should consult your own legal counsel, business advisor, medical advisor and tax advisor as to the legal, business, medical, tax and related matters concerning any policies with respect to which guidance is sought or given at the website/mobile application.

Proprietary rights

All materials on this site (as well as the organisation and layout of this Website/mobile application) are owned by Reliance Health Insurance and may be accessed, downloaded or printed for your personal non-commercial use only. Without the prior written permission of Reliance Health Insurance you may not copy, distribute or transfer any material on this site, in whole or in part. All trademarks, logo, slogans, service marks, and trade names (collectively the "marks") are proprietary to Reliance Health Insurance or other respective owners that have granted Reliance Health Insurance the right and license to use such marks.

Governing Law

Any claim relating to this website/mobile application and the use thereof are subject to and governed by the laws of India.

Jurisdiction

The courts in Mumbai shall have the sole jurisdiction with regards to any and all disputes and matters related hereto.

Severability

If any part of these Terms and Conditions are determined to be invalid or unenforceable pursuant to applicable law including, then such unenforceable provision shall be deemed to be replaces with a suitable legal alternative provision that achieves the purpose of the original provision as closely as possible..

Corporate Information

Reliance Health Insurance Limited

 

Registered Office:
Reliance Centre, 2nd Floor, North Wing
Off Western Express Highway, Santacruz East
Mumbai 400055

If you have any questions you may contact us at 022-33426868