Terms of Service

1. Agreement to Terms

By accessing and using the website and services of Vaishnav Mediclaim & Insurance Services, you agree to be bound by these Terms of Service. If you do not agree with any part of these terms, you may not use our website or services.

2. Role of the Agency

Vaishnav Mediclaim & Insurance Services acts as an independent insurance advisory and brokerage agency. We provide information, quotes, and assistance in procuring insurance policies from third-party insurance carriers (e.g., Star Health and Allied Insurance Company Limited, The Oriental Insurance Company Limited, Kotak Mahindra General Insurance Company Limited). We are not the underwriter or the insurance provider. The final decision on policy approval, premiums, and claim settlements rests solely with the respective insurance carrier.

3. Accuracy of Information

When requesting a quote or applying for a policy, you agree to provide accurate, current, and complete information regarding your health, finances, and assets. Failure to disclose material facts or providing false information may result in the rejection of your application or the denial of future claims by the insurance carrier.

4. Quotes and Policy Issuance

Any insurance quotes provided on this website or by our advisors are estimates based on the preliminary information you provide. They do not constitute a binding offer of insurance. Final premiums and coverage terms are determined by the insurance carrier during the formal underwriting process.

5. Limitation of Liability

To the fullest extent permitted by law, Vaishnav Mediclaim & Insurance Services shall not be liable for any indirect, incidental, or consequential damages arising from your use of our services, inability to use our services, or any actions taken by third-party insurance carriers, including the denial of insurance claims or policy cancellations.

6. Intellectual Property

All content, logos, graphics, and text on this website are the intellectual property of Vaishnav Mediclaim & Insurance Services. You may not reproduce, distribute, or use our materials without explicit written consent.

7. Governing Law

These terms shall be governed and construed in accordance with the laws of India. Any disputes arising from these Terms of Service will be subject to the exclusive jurisdiction of the courts located in Faridabad, Haryana.

8. Contact Us

If you have any questions regarding these Terms of Service, please contact us at:

• Email: sunshinesaurabh89@gmail.com
• Phone: +91 9911484725