Terms of Use

TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, THE MATERIALS ON THIS WEBSITE ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESSED OR IMPLIED AND TATA AIG GENERAL INSURANCE COMPANY LTD. AND ITS SUBSIDIARIES AND AFFILIATES, DISCLAIM ALL WARRANTIES, EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.
Tata AIG does not warrant that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this website or the server that makes it available are free of viruses or other harmful components. Tata AIG does not warrant or make any representations regarding the use or the results of the use of the materials on this website in terms of their correctness, accuracy, reliability, or otherwise. You (and not Tata AIG) assume the entire cost of all necessary servicing, repair, or correction. The information and descriptions contained herein are not intended to be complete descriptions of all terms, exclusions and conditions applicable to the products and services, but are provided solely for general informational purposes.

This website may be linked to other websites which are not maintained by Tata AIG. Tata AIG is not responsible for the content of those websites. The inclusion of any link to such websites does not imply approval of or endorsement by Tata AIG of the websites or the content thereof.

While Tata AIG uses reasonable efforts to include accurate and up to date information on this website, errors or omissions sometimes occur. Tata AIG makes no warranties or representations as to the accuracy of the content of this website. Under no circumstances, including, but not limited to, negligence, shall Tata AIG or any party involved in creating, producing, or delivering the website be liable to you for any direct, incidental, consequential, indirect, or punitive damages that result from the use of, or the inability to use, the materials on this website, even if Tata AIG or an Tata AIG authorised representative has been advised of the possibility of such damages. In no event shall Tata AIG's total liability to you for all damages, losses, and causes of action exceed the amount paid by you, if any, for accessing this website.

Tata AIG also assumes no responsibility, and 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 or your downloading of any materials, data, text, images, video, or audio from this website.

This website is owned and operated by Tata AIG. Except as otherwise expressly permitted by Tata AIG, no materials from this website or any website owned, operated, licensed or controlled by Tata AIG may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. You may download material displayed on this website for your use only, provided that you also retain the clauses pertaining to all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost, or use the content of this website for public or commercial purposes, including the text, images, audio, and video without Tata AIG's written permission.

Tata AIG neither warrants nor represents that your use of materials displayed on this website will not infringe rights of third parties not owned by or affiliated with Tata AIG

Unless otherwise expressly set forth herein, Tata AIG makes no representation that materials on this website are appropriate or available for use in any location. Those who choose to access this website do so on their own initiative and are responsible for compliance with local laws.

Except as specifically set forth herein the information contained on this website is not an offer to sell or any security, insurance product or other product or service. No security, insurance product or other product or service is offered or will be sold in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the securities, insurance or other laws of such jurisdiction. Some products and services may not be available in all jurisdictions. All disputes shall be subject to the exclusive jurisdiction of Mumbai courts.

All trademarks, services marks, trade names, logos, and icons are proprietary to Tata AIG. Nothing contained on the website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on this website without the written permission of Tata AIG or such third party that may own the trademarks displayed on this website. Your use of the trademarks displayed on this website, or any other content on this website, except as provided herein, is strictly prohibited. Images displayed on this website are either the property of, or used with permission by, Tata AIG. The use of these images by you, or anyone else authorised by you, is prohibited unless specifically permitted herein. Any unauthorised use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes. Unless otherwise stated, this clause shall override the privacy statement.

Unless otherwise expressly set forth herein, any information, communications or material you transmit to this website by electronic mail or otherwise, including data, questions, comments, or suggestions will be treated as nonconfidential and nonproprietary and will become the property of Tata AIG. Such information, communications or material may be used for any purpose, including, but not limited to, reproduction, solicitations, disclosure, transmission, publication, broadcast, and posting. Furthermore, Tata AIG is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to this website for any purpose whatsoever, including, but not limited to, developing and marketing products using such information.

You acknowledge that any software available or provided to you on this website may contain technology that is subject to strict controls by various rules and regulations in India. You hereby agree that you will not transfer or export such software from India (including, for example, providing such software to any foreign person or entity in India) or re-export such software outside India in violation of Indian laws and regulations. Tata AIG does not authorise the downloading or exportation of any software or technical data from this website to any jurisdiction prohibited by Indian laws and regulations.

By using the Wellness/Preventive/Value Added services on Tata AIG application, you acknowledge your assent to the following conditions of use.

A. Data Privacy

1. I/We declare that I/We consent to the Service Provider for sharing medical/healthcare information/records/report to Tata AIG General Insurance Company, at any time for the Wellness/Preventive/Value added services/program availed by me/us under the policy.
2. I/We authorize Tata AIG General Insurance Company Limited to share information pertaining to me/us including the medical records of the insured members gathered at any time during Wellness/Preventive/Value added services/program availed by me/us under the policy "with any Governmental and/or Regulatory authority.

B. Tele-Consultation Service

1. Availing the services under this benefit is purely upon the insured’s sole discretion.
2. Tata AIG does not assume any liability towards quality and turnaround times of service rendered, any loss or damage arising out of or in relation to these services rendered by the empanelled service provider.
3. In case we or the assistance service provider fails to provide any of the services as mentioned in this policy or is unable to implement, in whole or in part due to force majeure, non-availability of services, change in law, rule or regulations which affects the services, or if any regulatory or governmental agency having jurisdiction over a party takes a position which affects the services , then the assistance services’ suspended, curtailed or limited performance shall not constitute breach of contract and the company or the assistance service provider shall have no liability whatsoever including but not limited to any loss or damage resulting therefrom.
4. The services under this benefit should not be construed to constitute medical advice and/or substitute the Insured Person's visit/ consultation to an independent Medical Practitioner/Healthcare professional.
5. Any recommendation under this benefit shall not be valid for any medico legal purposes.
6. The Insured Person is free to choose whether or not to act on the recommendation after seeking consultation.

C. Ambulance Booking facility

1. Availing the services under this benefit is purely upon the insured’s sole discretion.
2. This services is provided in select cities. Please check the availability of your location on the digital customer application.
3. Tata AIG does not assume any liability towards quality and turnaround times of service rendered, any loss or damage arising out of or in relation to these services rendered by the empanelled service provider. We shall not be liable for any deficiency or discrepancy in the services provided by empanelled service provider/network provider under this policy.
4. In case we or the assistance service provider fails to provide any of the services as mentioned in this policy or is unable to implement, in whole or in part due to force majeure, non-availability of services, change in law, rule or regulations which affects the services, or if any regulatory or governmental agency having jurisdiction over a party takes a position which affects the services , then the assistance services’ suspended, curtailed or limited performance shall not constitute breach of contract and the company or the assistance service provider shall have no liability whatsoever including but not limited to any loss or damage resulting therefrom.
5. We will only provide a facility to book a road ambulance for transportation on best effort basis and does not have a legal binding on us. Any charges applicable for the transportation services is to be borne by the insured person.

D. Health Risk Assessment (if applicable)

1. I hereby declare, on my behalf that I will provide information/details which are true and complete in all respects to the best of my knowledge.
2. I understand that I am authorized to attempt HRA only for myself and not on behalf of ay other insured member under the policy.
3. I understand that basis the information provided by me during Health Risk Assessment will form the basis of the "Wellness category" (Green/Yellow/Red) which will be assigned to me. For validity of Wellness category, please refer the T&C of your policy.
4. I understand that tracking of my fitness activities and earning of rewards is subject to successful completion of Health Risk Assessment and only when the HRA report is connected to Health Kit. Hence, after submission of HRA report, I will connect to Health Kit in order to start tracking my fitness activities and the HRA report will be shared with Tata AIG General Insurance Company.