India travel insurance – Terms & Conditions

Terms & Conditions

Thank you for visiting our websitewww.eindiainsurance.comwhich is the official site of InstantCover Insurance Web Aggregator Private Limited (InstantCover), which is licensed by the Insurance Regulatory & Development Authority of India (IRDAI) under license number IRDAI/INT/WBA/53/2018. InstantCover provides its services to you subject to the following conditions. Before you may use the Site, you should read and accept all of the terms and conditions which are also linked to the Privacy Policy . These Terms & Conditions are effective upon acceptance and subsequently accessing the website. Using any functionality/part of the website constitutes acceptance of the site’s Terms and Conditions. If you do not agree to be bound by the Terms and Conditions (in this page below)and the Privacy Policy of this website in any manner, then one may not use the site in any way. These Terms and Conditions are periodically updated at our discretion and depending on our business approach from time to time and hence as a customer, one is expected to return periodically and familiarise themselves on the updated Terms and Conditions pertaining to the operations of this website.

• Description of Services
  In this website, InstantCover provides users with informationrelating to Life and Non Life (General) Insurance products and services and related services, for both new business and renewals.You are responsible for obtaining access to the site, and furnishing your personal / contact details, wherein you agree that you are interested in availing and purchasing the product / plan / service(s) you have selected. You hereby agree that InstantCover may need to contact you either electronically or through phone, to understand your interest in the selected products and service (like renewals, reminders etc.) or to support you in closing an online transaction for purchasing the insurance product. You will need to submit your request to buy the desired product by providing some basic information. Post this the website will display all the comparable options across insurance companies for you to choose from. Once you have made a decision, one must make payment through the website payment gateway, fill in a more detailed online application form. We assist you in completing your proposal (incl. forms, documents and medical tests, if any) and on verification of the same, provided there is no missing information, your proposal is underwritten by the insurance company. Post approval the policy will be issued.You also agree that InstantCover reserves the right to make your details available to its affiliates and partners and you may be contacted by the affiliates and partners for information and for sales through email, telephone and/or sms. You agree to receive promotional materials and/or special offers for relevant insurance productsfrom InstantCover through email or sms.
• Eligibility / Account Management
  The website products and services are not available to minors under the age of 18 or to any users suspended or removed from the system by InstantCover for any reason. Users may not have more than one active account, if it comes to the notice of InstantCover that a person is operating multiple accounts, all accounts can be suspended.
  By accessing the websitewww.eindiainsurance.com, you automatically confirm that you are the legal age (atleast 18 years) to be eligible to enter into a contract and are not a person barred from receiving services under the laws of India or other applicable jurisdiction. You also confirm that you will only make legitimate purchases for you or for another person for whom you are legally authorized to act (with insurable interest) that apply to the purchase you have made on their behalf (including all rules and restrictions applicable thereto). You also agree to provide true, accurateand complete information about yourself as required on the website for the purpose of purchasing an insurance product. If you provide any information that is not true, accurate, and incomplete, InstantCover has the right to suspend or terminate your account and refuse any and all current or future use of the website (or any portion thereof). If you use the Site, you are responsible for maintaining the confidentiality of your account and password, and for restricting access to your computer. You agree to accept responsibility for all activities that occur under your account or password. Because of this, we strongly recommend that you exit from your account at the end of each session. You agree to notify InstantCover immediately of any unauthorized use of your account or any other breach of security. InstantCover reserves the right to refuse service, terminate accounts, or remove or edit content in its sole discretion. Notwithstanding the above, we retain the right at our sole discretion to deny access to anyone to the Site and the Services we offer, at any time and for any reason, including, but not limited to, for violation of the Terms and Conditions or Privacy Policy. You agree that any violation of any such service provider's rules and restrictions may result in cancellation of your purchase(s), in your being denied access to the website / purchase of products and service(s), in your forfeiting any monies paid for such Services, and/or in our debiting your account for any costs we incur as a result of such violation.
• Fees and Charges
  InstantCover offers its website and support services free of cost and does not charge Fees or Charges of any nature from it’s users.
• Site Access and Licensing
  InstantCover grants all customers visiting the websitewww.eindiainsurance.comlicense to access and make personal use of the website and the service offered by the company and available on the site. This license however does not allow the downloading or copying of any kind of information available on the website for the benefit of another third party (individual or company); caching, introducing unauthorized hypertext links on the websiteYou may download material displayed on this website for your personal use only and provided you do not impact any copyright on the materials. You may not distribute, modify, reuse, repost, link or use the content of this website for public or commercial purposes, including the text, images, audio, and video without our written permission. The premium rates quoted on the site may not be final and binding as they would be under review by the insurance company. In some cases, the insurance company may communicate the final rates aftersubmission of the given premium and documentation. Further, the rates mentioned on the website are as provided or verified by insurance companies and are filed with IRDAI.. One should also completely refrain from sending/receiving any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of InstantCover'swebsite infrastructure. Any unauthorized use by you shall terminate the permission or license granted to you by InstantCover. You should not make any speculative, false, or fraudulent transaction,, take any action that imposes, or may impose, in our discretion, an unreasonable or disproportionately large load on our the website infrastructure; or incorporate any part of this website into any other website.
  InstantCover reserves the right to make changes to the Site, related policies and agreements, this Terms and Conditions and the Privacy Policy at any time. If you have not used the Site for more than 30 days, you should check the Terms and Conditions and/or Privacy Policy prior to any further use of the Site. Should you wish to terminate your account due to a modification to the Terms & Conditions or the Privacy Policy, you may do so by sending an email with the subject line "Termination" to the following email addressdirector@eindiainsurance.comIf you choose to continue using the Site, you agree that by doing so you will be deemed to accept the new Terms and Conditions or Privacy Policy, as relevant.
• Disclaimer of Liability and Warranty
  No warranty of any kind either implied, expressed or statutory, including but not limited to the warranties of non-infringement of third-party rights, title, merchantability, fitness for a particular purpose and freedom from computer virus is given with the information and materials contained in this site.It is the visitor’s responsibility to evaluate the accuracy, completeness and usefulness of any opinions, advice, services or other information provided. The Content, Products, and Services displayed on this site may sometimes include errors relating to coverages and premium for some products. While we try our best to ensure all products are updated at all times, since we are dependant on the insurer to provide updated information from time on time on new products/revisions in existing products. we do not guarantee the accuracy of, and will not be responsible for such unintentional inaccuracies relating to the description of products and services we expressly reserves the right to correct any pricing errors on the site and/or on pending reservations made under an incorrect premium.
  InstantCover makes no representation about the suitability of the specific products or services and the inclusion and display of any products or services on this site does not constitute any endorsement or recommendation of the same. InstantCover hereby disclaims all warranties and conditions with regard to this information on products and services, it’s software, including all implied warranties and conditions of merchantability and in no event shall InstantCover, its directors, employees and/or its affiliates be liable for any direct, indirect, punitive, incidental or consequential damages arising out your use of this website. Similarly InstantCover engages with service providers from time to timefor providing services on this site are these are independent affiliates and InstantCover are not liable for the acts, errors, omissions, representations, warranties, breaches or negligence of any such service providers or for any personal injuries, death, property damage, or other damages or expenses resulting therefore. InstantCover and its affiliates have no liability and will make no refund in the event of any delay, cancellation, strike, force majeure or other causes beyond their direct control.
• Cancellation & Refund/Chargebacks
  
  1. Free look period Cancellation and Refund
     As per the IRDAI rules and regulations, one hasthe right to cancel your Life or Health insurance policy within 15(fifteen) days from the date of (online) receipt of insurance policy and this period is referred to as “Free look period” and refund of your premium amount shall be processed as per the applicable process and terms and conditions of the policy and followed by the insurer. We encourage all our customers to make use of this facility and read the insurance policy document carefully immediately on receiving the same and in case the terms and conditions of the insurance policy document don’t match your insurance requirements, proceed to cancel the policy and seek a refund from the insurance company. Once you place a cancellation request within the Free look period, the policy gets cancelled and entire premium is refunded to you subject to deduction of (i) charges pertaining to medical tests conducted (ii) administrative and service cost like stamp duty etc. and; (iii )Charges for mortality for the period the policy was in force. Please note such deduction is at the sole discretion of the insurer and InstantCover helps its customers in getting speedy refunds.
  2. Chargebacks
     You as the cardholder may dispute a transaction carried out through our Website and file a Charegback with your issuing bank for the reversal of that transaction. Chargeback allows transactions to be reversed by you under specified circumstances such as, on account of (i) alleged forgery of the card number / bank account or other details (ii) any charge/debit made on a card that has been listed as a hot listed card or otherwise listed on the card association (Visa, MasterCard, etc.) warning bulletins (iii) duplicate processing of the transaction; or (iv) for other reasons as per applicable rules and guidelines issued by RBI, card Associations, your card/payment instrument issuing bank etc. However, we reserve the right to reject a Chargeback, including but not limited to, under the following circumstances:
     1. In the event your medical tests or underwriting is in process with your chosen insurer, not exceeding a period of 3 months from the date of your insurance policy application
     2. In the event there is any delay caused on the part of the insurer in conducting medical tests or during the process of medical underwriting or issuance of insurance policy or any service provided by the insurer in connection with the insurance policy issuance, not exceeding a period of 3 months from the date of your insurance policy application
     3. In case your insurance policy application is rejected by the insurer, post your medical test Our Company shall not be liable to you, in any form or manner whatsoever, for any claims, disputes, proceedings which may arise in connection with Chargebacks initiated by you in the circumstances as specified under (a), (b) and (c) herein above.
     
     You agree and acknowledge that for undertaking any financial transaction through the website, Our Company may undertake client/customer due diligence measurers and seek mandatory information required for KYC purpose which as a customer you are obliged to give, while facilitating your request of insurance requirements with the insurance company(ies), in accordance with applicable PMLA laws and rules. You further agree and acknowledge that, in line with the requirements and obligations under the PMLA Act and rules, all refunds shall be processed by the insurance company(ies) through us to the bank account which was used to remit payment of insurance premium.
     For Health insurance products only:
     1. You hereby declare, on your behalf and on behalf of all persons proposed to be insured, that the statements, answers and/ or particulars given by you are true and complete in all respects to the best of your knowledge and that you are authorized to propose on behalf of these other persons.
     2. You understand that the information provided by you will form the basis of the insurance policy, is subject to the Board approved underwriting policy of the insurer and that the policy will come into force only after full payment of the premium chargeable.
     3. You further declare that you will notify in writing any change occurring in the occupation or general health of the life to be insured/proposer after the proposal has been submitted but before communication of the risk acceptance by the insurance company.
     4. You authorize the InstantCover/insurance company to share information pertaining to your proposal including the medical records of the insured/ proposer for the sole purpose of underwriting the proposal and/or claims settlement and with any Governmental and/or Regulatory authority.
• Indemnity
  You agree to indemnify and hold InstantCover (and its officers, directors, agents, subsidiaries, joint ventures, and employees) harmless from any and against any claims, causes of action, demands, recoveries, losses, damages, fines, penalties or other costs or expenses of any kind or nature, including reasonable attorneys' fees, or arising out of or related to your breach of these Terms & Conditions your violation of any law or the rights of a third party, or your use of the Site.
• Jurisdiction
  InstantCover controls and operates this Website from its headquarters in Bangalore, Karnataka, India and makes no representation that the materials on the website are appropriate or available for use in other locations. Unless otherwise explicitly stated, all marketing or promotional materials found on this Website are solely directed to individuals, companies or other entities located in India and comply with the laws prevailing for the time being in force in India. Disputes if any shall be subject to the exclusive jurisdiction of Courts at Bangalore.
  This Terms and Conditions and the relationship between you and InstantCover will be governed by the laws of the India without regard to its conflict of law provisions. You and InstantCover agree to submit to the personal jurisdiction of the courts located in Bangalore jurisdiction with respect to any legal proceedings that may arise in connection with this Terms and Conditions. This Terms and Conditions constitutes the entire agreement between you and InstantCover and governs your use of the Site, superseding any prior agreements between you and InstantCover with respect to the Site.
• Trademarks
  The trademarks, logos and service marks ("Marks") displayed on the Site are the property of InstantCover only. All information and content including any software programs available on or through the Site ("Content") is protected by copyright. Users are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works or using any Content available on or through the Site for commercial or public purposes.