Disclaimer

Personal and non-commercial use limitation
You shall use the Sites for the essential purposes for which the Sites are intended. Unless otherwise specified, the Sites are for your personal and non-commercial use. You may not modify copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer or sell any information, software, products or services obtained from the Sites.

Links to third party sites
The Sites may contain links to other web sites (“Linked Sites”).The Linked Sites are not under the control of Care Health Insurance and Care Health Insurance is not responsible for the contents of any Linked Site. Care Health Insurance is not responsible for web casting or any other form of transmission received from any Linked Site. You should be aware that your use of these third-party websites may be subject to separate terms and conditions, information collection practices, and other provisions. Care Health Insurance does not endorse, nor is it responsible for, any of the products, services, or content offered in any third-party sites. Before using any third-party services, it shall be your sole responsibility to conduct whatever investigation you deem necessary and appropriate.

No unlawful or prohibited use
The Sites shall not be used by you for any purpose that is unlawful or prohibited. You shall not use the Sites in any manner which could damage, disable, overburden, impair the Sites, or interfere with any other party’s use and enjoyment of the Sites. The Sites are not directed or intended for distribution, publication, availability or use by, any person or entity who is a citizen or resident of or located in any locality, state, country or other jurisdiction, where such distribution, publication availability or use would be contrary to law, regulation or which would subject Care Health Insurance and/or its group companies/affiliates to any registration or licensing requirements within such jurisdiction, persons in whose possession this document comes, should inform themselves about and observe, any such restrictions. Copy right in this site and information/content therein vests exclusively wit Care Health Insurance .

The Services on the Sites do not constitute an offer to sell or a solicitation to any person in any jurisdiction where it is unlawful to make such an offer or solicitation. These Services are not intended to be any form of investment advertisement, advice or information and have not been registered under any securities law of any foreign jurisdiction and is only for the information of any person in any jurisdiction where it may be lawful to provide such information; otherwise the same shall not be considered information. The distribution of the Services or content, in any jurisdiction, may be restricted by law and the persons, who access the Services, should inform themselves about and observe any such restrictions.

Materials provided by you
Care Health Insurance does not claim ownership of the materials you provide to Care Health Insurance (including registration data, feedback, suggestions etc) or post, upload, input or submit to any of the Sites or its associated services (“Submissions”). However by posting, uploading, inputting, providing or submitting your Submissions, you are granting Care Health Insurance and its group companies/affiliates the use of your Submissions in connection with the operation of their businesses including publishing your name in connection with your Submissions. While Care Health Insurance agrees not to use or sell identifiable data contained in your Submissions, it shall have the exclusive right to use, transfer or otherwise deal with compiled data in any manner Care Health Insurance deems fit.

Software
Software (if any) that is made available to download from the Sites is the exclusive property of Care Health Insurance and copyright thereof vests in Care Health Insurance . Care Health Insurance hereby grants the user a personal, non-transferable license to use the Software for viewing and/or use in accordance with these terms and conditions only and for no other purpose or use. Copying or reproduction of the Software to any other server or location for further reproduction or redistribution is expressly prohibited.

Liability Disclaimer
All efforts have been made to provide the most comprehensive and accurate information on the Sites. The information and materials have been made available keeping user’s interest in mind. The information and materials are however, subject to change without prior notice. Care Health Insurance does not warrant the accuracy, adequacy or completeness of this information and materials and expressly disclaims liability for any errors or omissions or delays in updating this information and materials. Neither Care Health Insurance nor any of its affiliates, directors, employees, agents or representatives, shall be liable for any direct, indirect, punitive, incidental, special, consequential damages or any damages whatsoever including, without limitation, the damages for loss of use, data or profits arising out of or in any way connected with the use or performance of the Sites, with the delay or inability to use the Sites or related services, the provision of or failure to provide services or for any information, software, products, services and related graphics obtained through the Sites or otherwise arising out of the use of the Sites, whether based on contract, tort, negligence, strict liability or otherwise, even if Care Health Insurance has been advised of the possibility of damages. The User must understand and accept that Internet communications may not be secure or error-free and may contain viruses. They may be subject to possible data corruption, accidental or on purpose. If you are dissatisfied with any part or portion of the Sites or with any of the terms of use, your sole and exclusive remedy is to discontinue using the Sites.

Termination/ Access restriction
Care Health Insurance reserves the right, in its sole discretion, to terminate your access to any or all Sites and the related services or any part or portion thereof, at any time, without notice.

Copyright and Trademark Notices
The Sites and information/contents therein should not be reproduced or redistributed or passed on directly or indirectly in any form to any other person or published, copied, in whole or in part, for any purpose, without prior written permission from Care Health Insurance . We do not guarantee the integrity of any e-mails or attached files and are not responsible for any changes made to them by any other person. All contents of the Sites are copyrights of and protected in favor of Care Health Insurance . Any rights not expressly granted herein are reserved by Care Health Insurance at its sole discretion.

For 5 consecutive claim free years by using No Claims Bonus (NCB) & No Claims Bonus Super (Optional Cover). Incremental increase every year is applicable on base Sum Insured. If a claim is made in any particular year, accrued NCB and NCB-Super will be reduced at the same rate at which it is accrued.

Tax Benefits under the policy will be as per the prevailing Income Tax laws and are subject to amendments from time to time. For tax related queries, contact your independent tax advisor. As per section 80D of Income Tax Act, an Adult (aged between 18 & 60 years) can save tax on a premium of upto Rs. 25,000 and his/her senior citizen parent/s (aged 60 years & above) can save tax on a premium of upto Rs. 50,000.