TERMS AND CONDITIONS

Declaration & Authorization
I hereby declare, on my behalf and on behalf of all persons proposed to be insured, that the above statements, answers and/ or particulars given by me are true and complete in all respects to the best of my knowledge and that I am authorized to propose on behalf of these other persons.

I hereby consent to and authorize Aditya Birla Health Insurance Company to make welcome calls, service calls or any other communication (electronic or otherwise, including WhatsApp) with respect to the proposed or existing policy of the Company from time to time.

I understand that the information provided by me 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.

I further declare that I 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 company

I declare that I consent to the company seeking medical information from any doctor or hospital who/which at any time has attended on the person to be insured/proposer or from any past or present employer concerning anything which affects the physical or mental health of the person to be insured/proposer and seeking information from any insurer to whom an application for insurance on the person to be insured/proposer has been made for the purpose of underwriting the proposal and/or claim settlement.

I authorize the company to share information pertaining to my 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.

I hereby declare and confirm that the premium has been paid by me out of legally acquired sources of income and the subsequent premiums if any, will continue to be paid out of legally declared and assessed source of income. I/We agree to share my/our medical records with insurers / TPA through ABHA.

Section 41 of Insurance Act 1938 (Prohibition of rebates): as amended from time to time

1) No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take out or renew or continue an insurance in respect of any kind of risk relating to lives or property in India, any rebate of the whole or part of the commission payable or any rebate of premium shown on the policy, nor shall any person taking out or renewing or continuing a policy accept any rebate, except such rebate as may be allowed in accordance with the prospectus or tables of the insurers:

Provided that acceptance by an insurance agent of commission in connection with a policy of life insurance taken out by himself on his own life shall not be deemed to be acceptance of a rebate of premium within the meaning of this sub-section if at the time of such acceptance the insurance agent satisfies the prescribed conditions establishing that he is a bona fide insurance agent employed by the insurer.

2) Any person making default in complying with the provisions of this section shall be liable for a penalty which may extend to ten lakh rupees.

Cookies
Aditya Birla Health Insurance uses the technology known as "cookies" to track usage patterns, traffic trends, and user behaviour, as well as to record other information from the website. For certain services provided on this website, cookies allow Aditya Birla Health Insurance and/or its group companies/affiliates to save information locally so that you will not have to re-enter it the next time you visit. Many content adjustments and customer service improvements are made based on the data derived from cookies. The information we collect from cookies will not be used to create profiles of users and will only be used in aggregate form.

The User may set his/her/its browser to refuse cookies. If the User so chooses, the User may still gain access to most of the Website, but the User may not be able to conduct certain types of transactions (such as shopping) or take advantage of some of the interactive elements offered.

If the User uses any of the sharing features that may be offered by this Site, the User’s friend's email address will not be retained on Aditya Birla Health Insurance Website or used in any way by Aditya Birla Health Insurance or its group companies/affiliates.

Authorizations for e-policy and service communications
I hereby consent that the policy documents may be sent to me on the email provided by me. I hereby consent to and authorize Aditya Birla Health Insurance Company to make welcome calls, service calls or any other communication (electronic or otherwise) with respect to the proposed or existing policy of the Company from time to time.

Declarations around Value Added Benefits
I agree that on the issuance of the Policy, I will provide the Company with all relevant details relating to the tracking device and/or mobile app downloaded at the earliest. I understand and agree that these details are required by the Company for the Company to track, record, and calculate my/our eligibility for the Value Added Benefits under the Policy. I declare and consent through my/our own free will and without any duress that the Company may access and record these details on a periodic basis and use these details for calculating and according to the Value Added Benefits under the Policy.

I further declare and consent that the original reports pertaining to any health assessments or tests undertaken by me/us in order to determine the eligibility to avail or continue to avail the Value Added Benefits under the Policy will be handed over by the concerned Network Providers directly to the Company and will remain in the Company's records.

e-Signature
As per IRDAI issuance of e-Insurance Policy regulations of 2016, as amended from time to time, the proposal form for an insurance policy filled in an electronic form will carry an electronic signature. Please provide the details below for us to obtain your electronic signature using your Mobile no and OTP sent to your registered mobile number.

Personally Identifiable Information:
adityabirlacapital.com/healthinsurance/ is committed to protect in your privacy and work in towards offering you a powerful, safe, online experience. To avail some of the services offered by adityabirlacapital.com/healthinsurance/, you need to sign up by giving simple details that personally identify you. adityabirlacapital.com/healthinsurance/ needs this minimal information to operate the online services. adityabirlacapital.com/healthinsurance/ encourages you to update this information as and when there are any changes. When you do this through easily navigable clicks, you help us stay in touch with you always.

adityabirlacapital.com/healthinsurance/ does not collect personal information about individuals except when such individuals specifically provide such information on a voluntary basis. This can be in several ways including for example, through registration for contests, the registration process for subscription sites or services and in connection with content submissions, community postings (e.g. message boards), suggestions, and voting/polling activities. Personal information of individual users of adityabirlacapital.com/healthinsurance/ will not be sold or otherwise transferred to unaffiliated third parties unless otherwise stated at the time of collection or without the approval of the user as the case may be. adityabirlacapital.com/healthinsurance/ uses the help of Internet Protocol(\"IP\") addresses to diagnose any problems with its server and to administer the web site adityabirlacapital.com/healthinsurance/, including by blocking certain addresses that it feels are inappropriately using its website. IP addresses are used to gather broad demographics information, such as browser types, visitor's country, visiting frequency, operating systems, etc.

Please note that by choosing to participate in the community, you are hereby giving your consent to Aditya Birla health Insurance to share you name with the vendor I service provider providing the community / wall service.

Please note that for the purpose of improving user experience and providing assistance, Aditya Birla health insurance will have a recording of your screen activity on the Aditya Birla Health Insurance App. By continuing to use the app, you are providing your consent to Aditya Birla health Insurance for such recording. Please note that Aditya Birla health Insurance WILL NOT get access to your confidential data or your passwords or your OTPs. This recording would not enable Aditya Birla health Insurance to access any other data on your phone.

Please note that a log/records of the services availed by the customer through Aditya Birla Health Insurance App (including the chat services) are maintained at our end for records and audit purposes.

Sharing of Information:
adityabirlacapital.com/healthinsurance/ treats your personal information or your use of the Service as private and confidential and does not check, edit, or reveal it to any third parties except where it believes in good faith, such act ion is necessary to comply with the applicable legal and regulatory processes, or to protect and defend the rights of other users or to enforce the terms of service which are binding on all the users of adityabirlacapital.com/healthinsurance/. adityabirlacapital.com/healthinsurance/ may collect unnamed statistics, which does not personally identify you. adityabirlacapital.com/healthinsurance/ reserves the right to perform statistical analyses of user behavior and characteristics in order to measure interest in Aditya Birla Health's products. Parents are requested to ensure that personal information is not provided by minors on adityabirlacapital.com/healthinsurance/ website. However, this does not intend to requested to ensure that personal information is not provided by minors on adityabirlacapital.com/healthinsurance/ website. However, this does not intend to prohibit information on minors and children being provided by the parents with respect to any product or service offered by adityabirlacapital.com/healthinsurance/ or any other third party permitted to offer any product or service on its site, which are beneficial to or are desired for the benefit of children and minors. registration notifies that the information you provide to adityabirlacapital.com/healthinsurance/ may be stored in a country other than where you reside.

KYC
You agree that the Company shall be entitled to share and store any personal information and documents shared by you/ for the purpose of KYC with its Vendors and partners for the purpose of validation and KYC compliance and who can store and validate from the concerned authorities/agencies/portals. You also allow the Company to receive, maintain, save and store your KYC related information and documents from third party entities / intermediaries for the purpose of KYC compliance in regard to processing your application for insurance policy and/or its continuation, as the case may be in furtherance to the stipulated norms. In the event you have any concerns or you do not agree to the same, you are requested to kindly visit the nearest Company branch in regards to you Application/Proposal/Policy.

Communication:
Except where specifically a reed or necessary for operational or regulatory reasons, registration will not send you any unsolicited information. However, to help you to take full advantage of adityabirlacapital.com/healthinsurance/, messages relating to the adityabirlacapital.com/healthinsurance/ products/services and/or changes, additions and improvements to the products/services offered may be sent to you. Further at such points of collection, the user will have the opportunity to indicate whether he or she would like to \"opt out\" of receiving promotional and/or marketing information about other products, services and offerings from registration and/or any third parties etc. If the user does not opt out, registration may use any email addresses of users to send occasional emails pertain in to the said information. The user can nevertheless unsubscribe from receipt of such emails by following instructions therein or by communication accordingly to adityabirlacapital.com/healthinsurance/.

Third Party Offers:
Also, users should be aware that adityabirlacapital.com/healthinsurance/ may sometimes permit third parties to offer subscription and/or registration - based services through its site. adityabirlacapital.com/healthinsurance/ is not responsible for any actions or policies of such third parties and users should check the applicable privacy policy of such party when providing personally identifiable information. Further, adityabirlacapital.com/healthinsurance/ will not be responsible if the users do no et the benefits announced if any, by the third parties permitted to offer subscription and registration based services on its site.

Exclusion:
adityabirlacapital.com/healthinsurance/ believes in promoting amity among users to promote collaboration and free exchange of ideas. adityabirlacapital.com/healthinsurance/ may provide specific services to users to post messages, e-mails, information, participate in chat sessions, news groups and other affinity group activities on the site and off the site. During such activities, you may provide your personal information beyond what has been given in your personal profile. adityabirlacapital.com/healthinsurance/ Privacy Policy excludes information transmitted through these activities. While adityabirlacapital.com/healthinsurance/ encourages you to actively participate in such activities, it advises you to be careful in sharing your personal information and respect the privacy of its other users.

E-mail messages sent to Aditya Birla Health Insurance Co. Limited over the Internet cannot be guaranteed to be completely secure. The integrity of such messages cannot be guaranteed on the Internet and Aditya Birla Health Insurance Co. Limited will not be responsible for any damages incurred by users due to messages sent or received by them to and from Aditya Birla Health Insurance Co. Limited.

Policy Changes:
adityabirlacapital.com/healthinsurance/ reserves the right to change this policy at any time. If adityabirlacapital.com/healthinsurance/ decides to change this policy, such changes will be posted on this page as soon as possible. Users may note that this Privacy Policy itself and any such change of policy will be may be effective from the date announced by adityabirlacapital.com/healthinsurance/ and not from the date of posting on the site.

Contact us:
This statement and the policies outlined herein are not intended to and do not create any contractual or other legal rights in favor of any user or viewer of adityabirlacapital.com/healthinsurance/ or on behalf of any other party. However, users and viewers are informed that by using the web site adityabirlacapital.com/healthinsurance/, they are deemed to have consented to the collection and use of information by adityabirlacapital.com/healthinsurance/ as stated above. The web site adityabirlacapital.com/healthinsurance/ is maintained by Aditya Birla Health Insurance Co. Limited having its registered office at 9TH Floor, One World Center, Tower 1, Jupiter Mills Compound, S.B. Marg, Elphinstone Road, Mumbai, Maharashtra- 400013, India.

This privacy policy shall be read in conjunction with the Terms of Use (Terms and Conditions) agreed by you while registering on www.adityabirlacapital.com for availing its services.

Data
adityabirlacapital.com/healthinsurance/ collect personal data or information about you from a variety of sources, including through:

Online and electronic interactions at adityabirlacapital.com/healthinsurance/, mobile applications, text messaging programs or through Aditya Birla Health Insurance App Offline interactions with Aditya Birla Health Insurance , including via direct marketing campaigns, hard copy registration / application forms, competition entries and contacts through Aditya Birla Health Insurance consumer services call centres; and

Your interaction with online targeted content (such as advertisements) that Aditya Birla Health Insurance, or service providers on our behalf, provide to you via third party websites or applications.

Consent
adityabirlacapital.com/healthinsurance/ shall obtain Your consent in writing (and includes electronic consent) before collecting Personal Information for providing Services. Personal information for purposes of this Policy includes information that identifies you, such as Your name, date of birth, bank account details or credit card or debit card, phone number, fax number or email address etc and include gender, marital status, city of residence. All Personal Information so provided will be on an ‘as on’ basis and Aditya Birla Health Insurance shall not be responsible for the authenticity of the Personal Information supplied by you. Personal Information which is provided or collected from you are solely for the purposes connected with the Terms of Use which has been agreed by you to provide various products or services or facilities by adityabirlacapital.com/healthinsurance/. Services shall includes all provisions of services and facilities and connected activities which are provided in connection with offering of products and services as a customer of adityabirlacapital.com/healthinsurance/ You have the option not to provide or agree to the collection of Personal Information. If you choose not to agree with the Policy, you will not be entitled to use the Services as per the Terms of Use. You can also anytime withdraw the consent you provided by writing to us at 9th Floor, One World Center, Tower 1, Jupiter Mills Compound, 841 Senapati Bapat Marg, Elphinstone Road, Mumbai 400 013 or e-mail at care.healthinsurance@adityabirlacaptital.com and making a request for termination of the services agreed as per the Terms of Use.

Aditya Birla Health Insurance Co. Limited. IRDAI Reg.153. CIN No. U66000MH2015PLC263677. Product Name: Activ One, Product UIN: ADIHLIP24097V012324. Product Name: Activ Health, Product UIN: ADIHLIP24102V052324. Product Name: Activ Assure, Product UIN: ADIHLIP23130V042223. Product Name: Activ Care, Product UIN: ADIHLIP21062V022021. Product Name: Activ Secure, Product UIN: ADIHLIP18076V011718. Product Name: Activ Fit, Product UIN: ADIHLIP22008V012223. Registered Office Address: 9th Floor, Tower 1, One World Centre, Jupiter Mills Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai 400013. Email: care.healthinsurance@adityabirlacapital.com, Website: www.adityabirlacapital.com/healthinsurance, Telephone: 1800 270 7000. Trademark/Logo Aditya Birla Capital is owned by Aditya Birla Management Corporation Private Limited and Trademark/logo HealthReturns, Healthy Heart Score and Active Dayz are owned by Momentum Metropolitan Life Limited (Formerly known as MMI Group Limited). These trademark/Logos are being used by Aditya Birla Health Insurance Co. Limited under licensed user agreement(s). For more details on risk factors, terms and conditions, applicability, and benefits of the plan, please read policy wordings and policy benefits carefully before concluding a sale. T&C Apply.

Purpose
Aditya Birla Health Insurance need this information to operate and provide its various products and services. Aditya Birla Health Insurance use, transmit and disclose Your Personal Information only as follows:

to fulfil Your requests for products and services offered and subscribed and accepted by you and to contact you either through itself or its third party service providers through any channel of communication including but not limited to email, telephone, sms, etc.

to deliver to you any administrative notices, alerts, advice and communications relevant to Your use of the Service to third-party contractors that provide services to Aditya Birla Health Insurance and are bound by these same privacy restrictions;
for market research, project planning, troubleshooting problems, detecting and protecting against error, fraud or identification of other criminal activity;
to conduct a background check either by its employees or through any third party vendor.
with the abovementioned parties including with any regulatory, statutory or judicial authorities for compliance with any law or regulation in accordance with this privacy policy to enforce Terms of Use;.

All such Personal Information collected shall be retained so long as you are having account/product with Aditya Birla Health Insurance or by any of its third party service entities/service provider (“Third Party Service Entity”) and remain active to avail various services/product or as may be required under the law or as per applicable policy on data retention if any. In case of deactivation / termination of the account / services with Aditya Birla Health Insurance, the Personal Information provided may no longer be used for providing the services/facilities and the same may also get removed upon the expiry of the maximum tenure as may be prescribed under the provisions of the law as applicable or the policy on data retention if any. Unless the Personal Information is purged permanently, the Personal Information may remain on the servers and Aditya Birla Health Insurance may however use the Personal Information for data analytics purposes and procedures for improving the provisions of services/facilities by them in a non identifiable manner.

Update Personal Information:
Aditya Birla Health Insurance encourages you to update this information as and when there are any changes. You are also entitled to review the information provided and ensure that any Personal Information or sensitive personal data or information found to be inaccurate or deficient be corrected or amended as feasible. However, Aditya Birla Health Insurance shall not be responsible for the authenticity of the Personal Information or sensitive personal data or information supplied by you.

Sharing/Transfer/Disclosure of Personal information:
Your Personal information will not be sold or otherwise transferred to unaffiliated third parties unless otherwise stated at the time of collection or without Your approval as the case may be. However, Aditya Birla Health Insurance, subject to applicable laws and regulations, might share, exchange and disclose information to its affiliates and / or group companies, authorised agents or to any third party service provider to deliver you products and services in the manner agreed by you as specifically stated under this Privacy Policy.